Kiplinger

Build a Solid Retirement Plan Around 4 Pillars of Success

The term "living paycheck to paycheck" has become the go-to phrase for people who are just getting by. They mostly have their monthly income figured out, but there's no emergency fund -- and they aren't putting any money aside for big purchases or long-term savings. If an unexpected expense comes up, it either goes on credit or it can blow their whole budget out of whack.

We tend to think of it as a problem for working families, but the same thing can happen in retirement -- even if you

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