1. By Student at Rowan Xxxx @students.rowan.edu

2.  How will You Support Yourself After Retirement? ◦ Not stocks and bonds. ◦ Not your kids. ◦ Not your Saving Account.

3.  Stocks and bonds are to risky!  It is not a good time in the stock market.  Big corporations are losing a lot of money.

4.  Kids will have college loans to pay.  Low income from starting jobs.  They will need their money to start their new lives.

5.  Your savings account will not be enough to support you unless you start putting money a side early.  Here is an example.

6.  Assume you just graduated college.  You are starting a job as an accountant at $41,000/year.  If you start early you can have sufficient retirement funds.

8.  At what age do you start your new career? 25  How many years will you work until retirement? 43  What average inflation rate do you expect over your working career? 3.09% 3.09%  What savings rate do you expect to get on your money saved? 9.71%9.71%  How many years beyond retirement do you expect to live? 88  What is your starting salary equivalent value at the time of your retirement? 41000  Final Salary before retiring $151,738.25  My Retirement needs in dollars $91,042.95  How much do you have to save annually? $903.00  How Much Did I Save - Annuity $490,799.06  How Much to Withdraw Each Year $91,028.33

9.  The quicker you start saving the more money you will have towards retirement.  Migrate to Florida and leave an empty seat in the work force for a young college graduate!  So why wait start now!

10.  http://money.cnn.com/ http://money.cnn.com/  https://us.etrade.com/e/t/home https://us.etrade.com/e/t/home  http://www.treasurydirect.gov/indiv/myacco unt/myaccount_legacytd.htm http://www.treasurydirect.gov/indiv/myacco unt/myaccount_legacytd.htm  http://www.bloomberg.com/ http://www.bloomberg.com/  http://www.prudential.com/view/page http://www.prudential.com/view/page  http://www.dailystocks.com/ http://www.dailystocks.com/  http://www.investors.com/ http://www.investors.com/  http://www.nasdaq.com/ http://www.nasdaq.com/  http://www.investors.com/ http://www.investors.com/