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Retirement is entirely personal, as the strategies that each of the Dent Research editors share in Economy and Markets. From Harry to Adam, and Rodney, John and Lance, they each approach their retirement planning a little differently, as we all do, depending on our needs and wants.

But their stories all share one common thread: the importance of generating income. Cash in your pocket. It’s essential to achieving your retirement goals – be it that trip you’ve always wanted to take or simply having the ability to spend as much time with family and friends as you want. Yet creating reliable and consistent income streams can be tough, and fleeting, especially as we age, and the markets ebb and flow.

Luckily, our go-to retirement expert, Charles Sizemore, has a proven, effective solution to consistently generate cash – no matter if you’re in retirement, close to it, or just thinking or dreaming about it. In Economy and Markets, he and the rest of the Dent Research team explain how and why it’s so important to unlock your income potential, and show you the path for doing it.

Many of us are finding themselves in the same situation: getting close enough to smell retirement but not on track to retire comfortably when we thought we might have.
How much do we need to retire? Probably a lot more than what we have! According to the September 2014 issue of Federal Reserve Bulletin, the average American is well shy of having saved enough for retirement.

Under 50% of all American families have a retirement account and the median value of those who have retirement accounts is under $60,000.

You’re probably thinking that many of those families are young and haven’t started saving yet. Well, of those families where the head of the house is aged between 55 and 64 (or those who are very near retirement age), only 59% have a retirement account! In that age group, the median value of the account is just over $100,000.

So, over 40% of those heads of families that are within 10 years of retirement don’t have any sort of retirement savings and will rely solely on Social Security. And more than half of those that have a retirement account have less than $100,000 saved!

The reason we’re focused on that age group is to highlight the trouble America is in since our Social Security program is already in serious trouble. Stats are just stats until you see yourself in them – that’s when the abstract starts to look a lot more real.

Many of us may feel we’re behind where we should be for a comfortable retirement, but bringing a bigger sense of focus to retirement planning, can get us closer, faster.

Aside from maxing our 401(k)s, many of us are searching for ways to generate income and cash flow, as retirement approaches. The editors at Economy and Markets deliver unique insight into new income and profit opportunities to provide more peace of mind about heading into those golden years.

It’s Not Too Late to Max Out Your 401(k)!

If you find yourself in a high tax bracket, you get an effective “return” of as much as 46% just for contributing and having your employer match.
preparing for retirement with the proper 401(k) allocation

401(k) Plan: Check to Make Sure You’re Doing These Two Things

While your 401(k) plan just doesn’t seem exciting enough to bother watching, you really should take a good 10 minutes today and give it a look.

Momentum Investing: How to Not End Up Old and Broke!

Might sound like a lot, but it takes as little as 10 minutes a month.

Compulsory Contributions: The Future of Retirement Planning?

Recently, CNBC’s Kelly Holland wrote a commentary on the apparent failure of the 401K system. She explained that the typical family only had just less than $19,000 in their retirement accounts. How can anyone retire on that? 401Ks were supposed...

“You Are Entitled to Nothing” – Frank Underwood Is Bang on the Money

He may be a murderous bastard with no conscience, but if Frank Underwood were a real-life candidate for the presidency, I would vote for him. Frank is not a real person, of course. He’s the crooked politician Kevin Spacey portrays...

Retirement, Savings, Life Expectancy…The Numbers Don’t Add Up

The Society of Actuaries should have bumper stickers. They could say things like, “I’ve Got Your Number,” or “Who’s Counting?” or some other pithy remark. The point is, I don’t think that actuaries — and their affinity group — get...

The Jimmy Buffett Approach to Pensions and Fiscal Policy

In South Florida there is a constant background theme of everything Jimmy Buffett. His music emanates from stores and restaurants while land shark and parrot-head references abound. This doesn’t bother me, because I’m a fan of his music, most of...
Unretirement is Unrealistic for Boomers and the Next Generation

Unretirement is Unrealistic for Boomers and the Next Generation

I was reading the paper recently when I happened upon a review of the book, Unretirement (Bloomsbury Press, 2014) by Chris Farrell. The premise of the book is that boomers have changed every stage of life they have passed...

Where the Markets and Economy are Heading

There's no substitute for looking someone in the eye as you tell them what lies ahead for the markets and economy, which is why we developed our one-day seminar series, the Great American Reset Tour, to bring our message...

The Solution: Eat People?

Recently, I drove to Venice, Florida to pick up my daughter’s friend. We chose a McDonald’s off the interstate as the meeting place, because it was convenient and had a bathroom (always a must). As I breezed through the restaurant,...
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