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Retirement Saving Resolutions to Make Right Now

Written by Steve Repak on January 6, 2015 in Retirement  |   12 comments

It’s time to start thinking about New Year’s resolutions, and you may want to put saving for retirement at the top of your list. I’ve found that for many people, saving for retirement isn’t a priority. If you’re young, you might think that retirement is…

retirement-saving-resolutions-to-make-right-nowIt’s time to start thinking about New Year’s resolutions, and you may want to put saving for retirement at the top of your list.

I’ve found that for many people, saving for retirement isn’t a priority. If you’re young, you might think that retirement is years away and you have plenty of time to save. If you’re older, you might think you’re behind on savings and it’s too late to start. No matter where you are in life, make a commitment now to start doing things differently.

Here are three resolutions to help you get going in the right direction.

Resolution 1: Write down your reasons for saving for retirement.

One big reason people fail at sticking to resolutions is because there is nothing actually motivating them to change their habits and reach their goals. If you are just saving because you need to meet the savings goal you came up with using a retirement calculator, that isn’t going to motivate you to start saving.

Instead, imagine the things you want to do in retirement and how you are going to feel when you do them. For example, maybe you want to spend more time with your children or grandchildren. You might want to travel the world or possibly take a part-time job in a career for which you really have a passion. Once you have the reasons for your goals written down, you can then work on the numbers.

Resolution 2: Calculate your retirement number.

After you’ve gotten in touch with your feelings, it’s time to crunch some numbers. There are many retirement savings calculators available on the Internet, and it might be in your best interest to calculate your retirement number using several different sites.

I like choosetosave.org, which offers an easy-to-use, two-page worksheet that can help you estimate how much you need to save for a comfortable retirement. I do not have any affiliation and cannot guarantee the accuracy of this site, but I think it should be at least one of the sites you check out.

Resolution 3: If all else fails, something is better than nothing.

Life is busy. Maybe you want to take the time to write down your feelings and calculate what you need to start saving so you don’t have to work forever, but you just can’t get around to it. If you still want to stick to this resolution, do yourself a favor and keep it simple. Whatever you have been saving for retirement, save a little more. For example, if you have not saved anything for retirement, start putting a little away now. If you have been diligent about putting money away in your retirement savings account, your goal should be to save even more. Even $5 a month more is better than nothing.

Steve Repak is a CERTIFIED FINANCIAL PLANNER™ professional, CFP® Board Ambassador, and financial literacy speaker. He is also an Army veteran and the author of Dollars & Uncommon Sense: Basic Training For Your Money. Follow him on Twitter: @SteveRepak


The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. Travis in Charlotte says:

    Most resolutions fail within 21 days. Steve is spot on with advice of writing the reason. As a personal trainer I also believe in the concept of something is better than nothing!

  2. Kurt says:

    Other than choosetosave.org are there any other websites/calculators that can tell you how much you should be saving each week?

  3. J h. Ayala says:

    Thanks for the info !

  4. Chris R. says:

    My resolution is to start saving more for retirement. Social Security will definitely be not enough to maintain my current lifestyle! Maybe I will need to lower it when I retire or will have to work longer than what I would like to.

  5. Catherine S. says:

    is none of your business whether i am saving for retirement, you are iterviening in the middle of my unemployment application. I also feel that my rights are being violated. this should be under free will to give this information.

  6. Cheryl says:

    I used to think I was secure, that my marriage was solid. I have been a Christian my entire life and married someone who said he was one but later found out that he had been cheating g on me for years. I took for granted that I would always have him and his income. I found this out in my early 50’s. It was too late for me. I had worked at a plant for many years, been mis-diagnosed with Lupus…it was cancer. I was then in stage four, had a dbl mastectomy, and reconstruction, was retired by my company. I’m on SSDI. I have begun saving again after both our retirement funds were stolen by the nations financial fallout.We lost over $900,000. In one account and 100,000 or more in another. Anyway, now I’m saving for a small lake lot and a Tiny House so I can be mortgage free one day, be mobile and have a smaller footprint on this beautiful earth. I’m excited about my future with or without someone in my life. Whatever God’s plan is for my life, I know I’m heading in the right direction no matter what.

  7. Anonymous says:

    Thank you for that information! Blessings!

  8. Anonymous says:

    I sold my home which didn’t have a mortgage on it and bought another to be closer to my daughter. This home doesn’t have a mortgage on it either but needs some fixing up. I have a credit card debt of 9,000.00 and I am going to have to buy a handicap bathtub for 13,200. So I am going to have 22,000.00 in debt. I do have 13,500.00 that I can borrow on my credit cards even after the tub in case of an emergency but I don’t want to do that. I can only get a loan for 10,000.00 so I have to charge 3,000.00 in order to buy the tub. Am I digging myself in a hole by buying this handicap tub?

  9. Health Care Worker says:

    It all depends on your income. Can you use an alternate means? For example, if it’s possible you can use a bench style shower chair. You can sit on one outer edge and swing your legs over, into the tub. That would save you a lot of money, debt and worry. If you have a secure high income then that’s a different story. If not, then you can consider buying a shower sprayer that you can aim at your body to wet and then rinse you. Or if you can use a seated shower chair that sits right in the tub and use the shower sprayer to rinse yourself. You’ll still need a hand rail installed not matter what. You can spray paint the shower chair hot pink and add sparkles or your favorite color. You can make it fun. I vote to pace yourself. Spend less and save more. Care givers are expense and all of us will need one someday unless we die suddenly. Sadly that’s the truth. The long term care insurance plans have not receive satisfactory reports. All the best to you, we’re cheering for you to find long lasting joy in this decision.

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