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Fewer than 1 out of 4 Americans have sufficient emergency dollars to cover at least 6 months of expenses.

emergency savings

Retirement planning requires one to review where you are currently and where you want to be during your golden years. So many Americans forget to do the planning portion and only live from day-to-day. When you fall into these types of bad habits of short-sighted and daily thinking, sometimes you a reminder of what is really important.

As we approach the holiday season for 2015, don’t fall into the trap of living day-to-day with the demands of this holiday season. Create a budget for holiday shopping and holiday travels and be sure to stick with it. Make it a point, this holiday season, not to spend your emergency dollars on flashy holiday splurges just so that you can fulfill your immediate desires. Planning for retirement takes discipline and when you have a plan, it’s in your best interest to stay focused on that plan.

Freeman Owen, Jr -Retirement Specialist Should you need someone to review your retirement plan, I invite you to meet me for a FREE retirement strategy consultation at my office at (866) 471-7233 | MD, VA & DC. Enjoy the Thanksgiving holiday season with family and loved ones.