Almost one-quarter of workers said they and their spouse combined have less than $1,000 saved for retirement, according to a report from the Employee Benefit Research Institute. Nearly half of everyone surveyed said they had less than $25,000. Sure, $25,000 can sound like a lot. But it’s a reasonable goal to have that much stashed away by the time you’re 30 years old. Someone in their early 30s earning $50,000 a year should have about $30,000 saved, according to one calculator. This it totally doable if that person has been saving 10% of their income annually, which is the rule-of-thumb suggested by many financial planners. But more than one-third of those surveyed said they’re saving less than that.
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