{"id":6660,"date":"2017-11-18T11:55:09","date_gmt":"2017-11-18T18:55:09","guid":{"rendered":"https:\/\/pantryparatus.com\/?p=6660"},"modified":"2017-11-19T14:01:22","modified_gmt":"2017-11-19T21:01:22","slug":"fun-approach-retirement-savings-plan","status":"publish","type":"post","link":"https:\/\/pantryparatus.com\/articles\/fun-approach-retirement-savings-plan\/","title":{"rendered":"Fun Approach to a Retirement Savings Preparedness Plan"},"content":{"rendered":"

Preparedness isn’t just found in grain buckets or backyard chickens.\u00a0 It’s a lifestyle of planning ahead.\u00a0 It’s a mindset.\u00a0 You really don’t want to read a blog about retirement savings right now because…well…there’s nothing “sexy” about it, nothing fun when you know how hard it is to save.\u00a0 But I’m going to share something fun\u00a0that will give you a game plan.<\/p>\n

<\/p>\n

Wilson and I are extremely frugal people.\u00a0 There have been times in life when we were doing just fine financially, and times when we had dinner because I pulled potatoes out of the ground that morning.\u00a0 It is not a secret that paychecks barely keep up with the cost of living, if they even do.<\/p>\n

When at our poorest (and we\u2019re riding that end of the spectrum these days),\u00a0 Wilson and I have been easily annoyed at a lot of modern financial advice.\u00a0 I am sure it is aimed at someone, but it never felt applicable to us with advice like, \u201cWhat you need to do is cancel your magazine subscriptions, cable t.v., and stop buying a Starbucks everyday.\u201d\u00a0 When you don\u2019t have time to read a magazine because you are working two jobs and homeschooling, when you don\u2019t even own a television, and your last Starbucks was from a gift card you got two years ago (and you struggled to even enjoy it), that type of advice is a hard pill to swallow.<\/p>\n

\"Retirement<\/a><\/p>\n

Are you tracking with this?<\/em><\/p>\n

The frugal lifestyle has been the best way for us to make it, reasonably.<\/p>\n

Reuse, reduce, and recycle\u2026<\/p>\n

Use it up, wear it out, make do or do without\u2026<\/a><\/p>\n

Barter, make it yourself when possible, buying in bulk, and getting really creative\u2026<\/p>\n

These are big reasons why we love sharing our kitchen self-sufficiency tips with you.\u00a0<\/strong> We know that they help you eat the way you need to eat for far less money.\u00a0 People who need to eat gluten-free save thousands of dollars a year by milling their own gluten-free flours instead of paying for stale gourmet bags with the fancy label.\u00a0 Making your own apple rings<\/a>, banana chips, and fruit leathers<\/a> mean less unnatural ingredients, better flavors, and serious savings!<\/p>\n

One thing we\u2019ve also hit a time or two on our blog is the idea of retirement<\/a>\u00a0 When you barely make ends meet, you know you cannot put as much money aside out of every paycheck as you want.<\/p>\n

MMM,hhhmm\u2026.I\u2019m preachin\u2019 to the choir.<\/p>\n

I was asked to tell you about this retirement calculator thingy<\/a> through the AdCouncil (I\u2019m not paid for this blog\u2014I\u2019m \u201cdonating\u201d it to help provide a free app to you).\u00a0 Anyway, before I knew I could support it (I\u2019m not sure how I feel about AARP completely, and they\u2019re in on it), I decided to do it myself.<\/p>\n

\"Retirement<\/a><\/p>\n

This might not be rocket science to you\u2014hopefully it doesn\u2019t fall into the useless<\/em> category the \u201ccancel cable t.v.\u201d lands\u2014but I learned some things I didn\u2019t know.\u00a0\u00a0<\/strong> I realized that it is not just about how much money I\u2019m setting aside, but that even the age I officially \u201cretire\u201d by taking out social security has a major impact.\u00a0 I did not know that they reward you for waiting until 70 years old.\u00a0 That means that I can adjust my life plan now and create a realistic picture of what my needs will be then.<\/p>\n

That was just me.\u00a0 There were other action steps for me to take now that can improve my retirement situation that went beyond “save more money.”\u00a0<\/strong> In a culture where most people are not planning ahead, this is a very practical way that you can prepare for yourself and your family.<\/p>\n

Take three minutes<\/strong> to try this app<\/a>, and I thought it was pretty darn\u2019 cute!\u00a0 It was something with the way they designed it\u2014it was really painless.\u00a0 It didn\u2019t require I go look up information to plug in numbers.\u00a0 It didn\u2019t get \u201ctoo personal\u201d if you know what I mean.\u00a0 It just provided solid information that I myself did not know.<\/p>\n

Open this link<\/a> in a new window and take a few minutes.\u00a0 Think of this as an interactive blog.\u00a0<\/strong> Then come back and leave a comment, telling me what you thought, what you learned, and how you\u2019re feeling about this extremely important (and often forgotten) facet to a prepared lifestyle!<\/p>\n","protected":false},"excerpt":{"rendered":"

Preparedness isn’t just found in grain buckets or backyard chickens.\u00a0 It’s a lifestyle of planning ahead.\u00a0 It’s a mindset.\u00a0 You really don’t want to read a blog about retirement savings right now because…well…there’s nothing “sexy” about it, nothing fun when you know how hard it is to save.\u00a0 But I’m going to share something fun\u00a0that […]<\/p>\n","protected":false},"author":2,"featured_media":6664,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"footnotes":"","_jetpack_memberships_contains_paid_content":false,"jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[229],"tags":[716,530],"yst_prominent_words":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/pantryparatus.com\/wp-content\/uploads\/2017\/11\/Fun-Approach-to-a-Retirement-Savings-Preparedness-Plan.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9Fvks-1Jq","_links":{"self":[{"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/posts\/6660"}],"collection":[{"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/comments?post=6660"}],"version-history":[{"count":0,"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/posts\/6660\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/media\/6664"}],"wp:attachment":[{"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/media?parent=6660"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/categories?post=6660"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/tags?post=6660"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/pantryparatus.com\/wp-json\/wp\/v2\/yst_prominent_words?post=6660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}