Step 2: Look Into IRAs
Once you've contributed all you can to your employer-driven retirement accounts, consider other outside accounts, such as traditional and Roth IRAs (individual retirement accounts). Work with a financial planner to figure out which one is best for you. If you're already married and there's an income gap between spouses, there are ways for one spouse to help fund the retirement account of the other. Take a look at whether a spousal IRA is an option for your family.
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An important read on saving and investing for retirement, no matter what your age.
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