Tham khảo sách 'financial peace university - part 3 (end)', kinh doanh - tiếp thị, tiếp thị - bán hàng phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả | RETIREMENT COLLEGE ANSWER KEY 1 Answer Key left to right Wealth Favored Qualified Plan Individual Retirement Simplified 401K 403B 457 Earned 3 000 5000 3 000 5000 Type After Should Choices Bracket Invested Flexibility Self 15 Most Contract Great Leave 700 000 Separate Borrow 40 40 20 Amount Roth Roth Plans IRA s Growth Transfer Listed Custodian Custodian 529 Freeze Low Insurance Savings Zero Coupon Pre-paid 188 A cco UNTABILITY CHECK- UP Retirement College Planning I. Review briefly no more than 10 minutes as a group the Monthly Retirement Planning worksheet. A. If someone has a calculator help each other figure out how much money you need to save to retire as you d like to. B. If you procrastinate and wait 5 to 10 years before getting started calculate how much more you would have to save. Note These figures do not include any pre-existing savings towards retirement. If no one has a calculator let everyone do it for homework themselves this week. IL Be Prepared to name the Baby Steps in order at the next class session. III. ACCOUNTABILITY APPLICATION REVIEW Remember this is a support group encourage one another . A. When you see retirement age people at places like Wal-Mart or a grocery store bagging groceries does it ever make you stop and think that could be me some day If so does it emotionally motivate you to do something now about it Should it Why B. Should you ever TEMPORARILY stop adding to your retirement plan If so why And when should you start it up again C. Should you ever cash in pre-taxed retirement savings early to get out of debt How would it affect your taxes D. Talk about how this lesson can make someone feel guilty or depressed because they are not yet in a financial position to save for retirement. E. Should you ever let your children s college funding get in the way of you building a proper foundation for your own financial future F. Why is it important to put aside 3 to 6 times your monthly expenses in an emergency fund and not 3 to 6 times .
