你开始为退休做准备了吗？

Top 5 Ways to Get Started With a Retirement Plan
开始计划退休的5个方法

These are the first steps to start building your retirement plan
这些是开始制定你的退休计划的第一步

Are you like countless others, wondering where to start retirement planning? No need to worry or procrastinate any longer. The most important thing is to do is to simply begin. Here are five top ways to help you get started.
你是否像无数其他人一样，在琢磨着怎么开始制定退休计划呢？现在不需要再担心或拖延了。最重要的是有个简单的开始。以下5个方法帮助你开始。

Retirement Plan Step #1 - Start Saving
退休计划步骤1：开始存钱

The only way to create wealth is to save. only by saving will you have money in the bank or otherwise invested. By the time retirement rolls around, the dollars you save today may have grown many times over. The key is to begin and to begin soon. Thanks to the miracle of compounding interest, it is the money you save today that has the opportunity to grow by the most. Each year you wait can be costly, so make sure to save enough.
创造财富的唯一途径就是存钱。只有存钱你才能够在银行有存款或在其他方面进行投资。到退休的时候，你今天存的钱就涨了几倍了。关键是开始，并且是迅速地开始。多亏了复利的奇迹，你今天存的钱有机会增值到最大。你每等一年都会造成浪费，所以确保要存够钱。

Retirement Plan Step #2 - Use Your 401(k) Plan
退休计划步骤2：使用你的401(k)计划

Although not every employee will have a 401(k) plan available to them at work, those who do will be hard-pressed to find another retirement planning opportunity as lucrative as that one. Thanks to the benefits of tax-deferral and automatic savings, you’re likely to find your account balance growing faster than you previously thought possible. Plus, due to the penalty for early withdrawals, you’re unlikely to take your money spontaneously (That’s a good thing because you want it to be there for your retirement).
虽然并非职场上的所有员工都能够得到401(k)计划，但是那些拥有401K账户的人却需要马上找到个能够有同等价值可图的退休计划。由于延期纳税和自动储存的好处，你可能会发现你的账户余额的增长速度超过了你的预想。另外，因为提前支取会产生罚款，你基本上不会想着提前将存款取出。（这是件好事情，因为你想将存款留到退休的时候。）

A 403(b) or a 457 plan may be available to some employees instead of a 401(k) plan and, if so, typically work very similarly. Other employees won’t have access to any of these plans. That’s why there are IRAs.
可能有些雇员享有的是403(b)或457计划，而不是401(k)计划，如果是这样的话，基本上也是一样的。而其他还有些员工不能享受任何计划，这也是IRAs存在的原因。

Retirement Plan Step #3 - An Employer Matching Program Means Free Money!
退休计划步骤3：一份雇主提供过的配对计划就意味着免费的钱。

If your employer offers a matching program as part of your 401(k) plan, you’ll have the opportunity to receive additional funding for your retirement at no cost to you. But to receive the funding, you need to participate to a certain level in your 401(k) plan. However, this is a no-brainer! After all, you’d never knowingly say “No” to free money, right?
如果你的雇主在401(k)计划中提供配对方案，你退休时就可以收到免费的附加福利。但是要想收到这笔福利的话，你必须参加401(k)计划并达到一定程度。然而，这是不费脑筋也能想到的好主意，并且，你永远不会对免费的钱说不的，对吗？

Retirement Plan Step #4 - Don’t Forget The IRA’s
退休计划步骤4：不要忘记IRA’s的存在

A traditional IRA contribution allows your money to grow tax-deferred. Depending on your income, tax filing status, and ability for you (and/or your spouse) to contribute to a workplace retirement account, your IRA contribution may even be tax deductible, further saving you money on this year’s taxes.
传统的个人退休账存款产生的收益是允许你延迟纳税的。根据你的收入、纳税状态、个人退休账户的存款能力，你的IRA存款可能是可抵税的，进一步为你节约了今年的税收。

Retirement Plan Step #5 - A Roth IRA Could Be Even Better
退休计划步骤5：一个罗斯个人退休账户将会更好

Imagine access to a retirement fund without having to pay income taxes. It could happen – through the Roth IRA.. Although you won’t receive a tax deduction for any contributions you make, your money grows tax-free, making it a truly fantastic place to begin saving for retirement.
想象下可以得到免税的退休资金。通过Roth IRA计划是有可能发生的。虽然你的投资不能抵税，但是你的资金产生的收益是免税的，这一点使得Roth IRA计划成为开始为退休存钱的最佳方法。

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