Financial Freedom Podcast Episode 58According to CNNMoney, roughly one-third of Americans have nothing at all saved for retirement, citing a 2016 study from GOBankingRates, and another 23% have less than $10,000 in their retirement funds. That’s more than half of all Americans not prepared for retirement! This may be because they don’t think they have the ability to plan and save for this, or they’ve been putting it off.

Having a good retirement plan is critical to achieving financial freedom and independence. Being able to pay the bills and enjoy life when the paychecks stop is a great feeling, but it takes planning and preparation. That is why in this episode of the podcast I talk about some tips for implementing a plan, so that you can get on that road to your golden years!

In this episode you will learn about:

  • Why it is important to start as early as possible
  • How to lower your taxes by using the Federal Retirement Savings Credit
  • How choosing the right state to retire to can make a big difference
  • Leveraging a health savings account for retirement


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Steven J. Richardson
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Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.