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Are You On Target to Achieve Your Financial Goals by Retirement?
Elinor Stutz  --   Top One Percent Influencer and Sales Performance Guru Elinor Stutz -- Top One Percent Influencer and Sales Performance Guru
For Immediate Release:
Dateline: Washington, DC
Tuesday, September 26, 2023


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Are You On Target to Achieve Your Financial Goals by Retirement?

In the vast and diverse landscape of the United States, the average worker’s salary can range from around $40,000 to $70,000 per year. It may seem like a decent income, but preparing for retirement can be daunting when you factor in the myriad financial responsibilities such as student loans, mortgages, childcare, education costs, and healthcare expenses. 

Often, these responsibilities leave little room for financial planning, and it’s not uncommon for individuals to neglect their retirement savings until it’s too late. Our guest blog article by David Mandell explores ten tips to help average-wage-earning Americans reach their financial goals and prepare for a comfortable retirement. We’ll also touch on the importance of financial planning, especially for professionals like physicians.


Achieve Your Financial Goals by Retirement

Set Clear Financial Goals 

The initial phase towards realizing your retirement aspirations entails establishing your financial objectives. It involves ascertaining the funds required for your retirement and the desired standard of living you wish to uphold. By setting unambiguous goals, you can maintain your motivation and concentration.

Create a Budget 

A well-structured budget is the foundation of sound financial planning. It is crucial to monitor your earnings and expenditures, classify your disbursements, and pinpoint opportunities for cost reduction. Employing budgeting software and applications can facilitate this undertaking.

Pay Down Debt 

Many Americans carry significant debts, such as student loans and mortgages. It’s crucial to prioritize paying down these debts, as they can hinder your ability to save for retirement. Develop a strategy to reduce and eventually eliminate your outstanding debts systematically.

Build an Emergency Fund 

Unanticipated expenditure has the potential to disrupt your financial strategy. Creating an emergency fund capable of covering living expenses for three to six months can be a protective measure, safeguarding against the need to access retirement funds during periods of uncertainty.

Invest Wisely

Maximize the potential of your financial resources by investing prudently. Mitigate risk by diversifying your portfolio and capitalizing on the benefits of compound interest. It is advisable to seek the guidance of a qualified financial advisor to facilitate informed investment decisions.

Contribute to Retirement Accounts

Maximize your contributions to retirement accounts like 401(k)s, IRAs, and other employer-sponsored plans. These accounts offer tax advantages and can significantly boost your retirement savings.

Automate Savings 

Implementing automated savings is a prudent approach to consistently allocating funds toward your retirement. By establishing automatic transfers to your retirement accounts, you can witness your savings flourish effortlessly without any conscious effort.

Educate Yourself

Take the time to learn about personal finance and investing. Countless online resources, books, and courses are available to help you understand financial planning. Being informed will empower you to make better financial decisions.

Review and Adjust Your Plan

Life circumstances are subject to change, and it is imperative to adapt your financial plan accordingly. It is advisable to reassess your goals and make necessary adjustments periodically. Considering a salary increase, it is prudent to contemplate augmenting your retirement contributions. Similarly, unforeseen expenses should prompt a corresponding modification to your budget.

Consider Professional Help

If you find financial planning to be a daunting task or need help in making headway, consider engaging the services of a professional financial advisor. Such individuals possess the expertise to offer personalized guidance following your unique circumstances, aiding you in effectively maneuvering through the intricate realm of investments, taxes, and retirement planning.

Wrapping Up

Reaching your financial goals by retirement while juggling student loans, mortgages, and other expenses can be challenging but entirely feasible with the right approach. Setting clear goals, creating a budget, and effectively managing debt can lay a strong foundation for your retirement savings. 

Building an emergency fund and thoughtful investing will provide security and help your money grow. Automating your savings, staying educated, and periodically reviewing your plan are all steps toward success. 

Resources to Help Achieve Your Financial Goals by Retirement:

National Association of Personal Financial Advisors

Investor.Gov U.S. Securities and Exchange Commission

Nerd Wallet Budgeting Tools

Financial Planning Association

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In Conclusion: Achieve Your Financial Goals by Retirement

Should you need guidance, seek the assistance of a financial advisor who can provide professional expertise tailored to your unique situation. By following these tips and seeking professional advice, you can work towards a secure and comfortable retirement, regardless of your income level or financial challenges. Proper financial planning is a journey that is beneficial for you and your heirs.

Sales Tips: Achieve Your Financial Goals by Retirement

  1. Financial planning, like business operations, requires goals, timelines, and anticipation of achievements.
  2. Most will benefit by speaking with a licensed financial planner.
  3. Agreeing to services requires speaking with several advisors to realize the one who best matches your interests and needs and can deliver proper guidance.
  4. Like other entities, be aware of unspoken or sudden fee increases.
  5. Consider using the Internet to research potential investment opportunities.
  6. Search forecasts for companies, knowing they are indications, not guarantees.
  7. Subscribe to a financial newsletter that is of interest to you.
  8. Consider remaining employed part-time doing what you enjoy during ‘retirement’ to keep your mind active, enjoy the extra income, and be on top of the financial news.
  9. Compare and contrast news and technological updates for new potential investments.
  10. Celebrate Success!

Today’s insights are provided to help you achieve the Smooth Sale!


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Elinor Stutz, CEO of Smooth Sale, delivers inspirational keynotes at conferences and authored: The International Best-Selling Book, Nice Girls DO Get the Sale: Relationship Building That Gets Results.” In addition to being translated into four languages, it reached the remarkable and unique level of being hailed Evergreen. Stutz’ commitment to community service led to the writing of her second best-selling book, HIRED! How to Use Sales Techniques to Sell Yourself On Interviews.”

Kred proclaimed Stutz as a “Top 1% Influencer for Social Media,.  CEO World Magazine named Stutz as one of “The brightest sales minds to follow on Twitter”.  Bizzhum and NowISeeIt both named the Smooth Sale Blog as one of the “Top 100 Most Innovative Sales Bloggers.”  Stutz consults and speaks worldwide.

Connect with Stutz:

Twitter: @smoothsale  
LinkedIn: Elinor Stutz

Youtube:  Elinor Stutz

Elinor Stutz (she/her/hers)
International Bestselling Author, Top 1% Influencer, Inspirational Speaker
Smooth Sale 



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Name: Elinor Stutz
Title: CEO, Speaker, Author
Group: Smooth Sale
Dateline: Ashburn, VA United States
Direct Phone: 408-209-0550
Main Phone: 408-209-0550
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