Do you have an IRA or plan to get one? My husband and I are considering starting one once we pay off our debts, although we haven't decided which type we want.
I have a SEP. Sort of similar, it is a simplified employee pension plan. It allows me to take what ever extra money I have from my business and put it into a retirement plan.
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The time to save is now. When a dog gets a bone, he doesn't go out and make a down payment on a bigger bone. He buries the one he's got.
I have an IRA although I haven't contributed to it for quite awhile. Some of it is in a CD with a fixed rate. The rest has a variable rate. Unfortunately, neither are paying very much at all which I guess is the case with most cash investments right now.
I started an IRA when I was in my twenties. I'm really glad I did because I haven't been able to add to it much in recent years. It really does pay to start one as soon as you can.
IRA or Not?
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