You could add money to your retirement account, or if you don’t have one already, set up a tax-advantaged investment account like an IRA, suggests Rob Williams, a managing director at Schwab Center for Financial Research in Denver.
“According to recent Schwab research, more than 60 percent of people aren’t regularly saving toward long-term goals such as retirement,” he says. He adds that you really don’t want to put saving for retirement off. “Time in the market is key to reaching your goals,” he says.
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