The majority of American workers in this country are not prepared for retirement. According to the 2010 Retirement Confidence Survey, the percentage of workers who can say they are very confident about having enough money to pay for their basic expenses during their retirement years increased from 25% to 29% in 2009. However the percentage of those workers who are not confident remained at 25%. According to the survey, the percentage of workers who are not too (or not at all) confident about being able to cover long-term medical and long-term care expenses has increased. According to this study, 51% of workers say they are not confident about having enough retirement money to pay for the...
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The conclusion is that even though the majority of American workers are not financially ready for retirement due to the difficult economic times, there are several steps that we can take that will begin to prepare us for long-term retirement goals. We can evaluate our family health history and create a savings plan based on possible, future health issues. We can purchase MediGap Health insurance to address those future health issues. The American worker can choose to contribute not only to their employer-sponsored plans but to a Traditional or Roth IRA. We can also choose to purchase a Private Retirement Account that has guaranteed contracts. Employers can create retirement training seminars for their employees. By taking an active approach to their retirement, workers will increase their confidence and begin to manage their long-term retirement goals.
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