Hello!

Haven't signed up yet? Or,

Sign up for a free account

Already signed up? Or,

Send me a new password

We'll send a temporary password to your email address. Once you log in with it, you'll be able to choose a new one.

Or, you can

Financially ready? Tell us about…

Your family

Your Savings & Debt

Total household savings:
Total household debt:
Total annual income:
What percentage of your income goes to…
… paying off debt:
… savings:

Estimated Annual Budget

Federal, state, & local taxes $10,000
Paying off debt $10,000
Savings $10,000
Living Expenses $10,000

Your Investment Strategy

CONSERVATIVE MODERATE AGGRESSIVE
Own a home?

What does your future hold?

$0 $0 $0 Your Net Wealth (Savings - Household Debt)

Make a Plan

Yesterday's Plan Builds Tomorrow's Success

After playing the game, do you feel more ready or more concerned? Either way, it's a good time to think about your plan for the future.

How much do you need to retire? There's no one answer for everyone. It depends on what you've saved, your health, your plans, and a lot of other factors. What's more, as the game just showed, any number of surprises could be waiting down the road.

To help, some experts suggest you'll need to have put away eleven times your current salary, at age 65, to be ready to retire. That assumes you can work until age 65 and that you won't start taking social security until you're eligible for the maximum benefit at age 67. Those assumptions may not apply for a lot of people.

One of the best ways to be ready is to have a strategy. Consulting an expert can help.

To get started, check out the links on this page.

Take Control

You Owe It to Yourself

Between now and your last day of work, you'll care for family, solve problems, go on adventures. The trick is balancing today's needs with tomorrow's goals. Borrowing to buy the things you want is tempting, but it comes with risks, too.

A nerdwallet.com study suggests most Americans owe more than $200,000. Some of that is good. Debt which increases your net worth, like building home equity with a mortgage, or a student loan for a degree to get a better job, can be positive. “Bad debt” comes from paying interest for things with no lasting value, like buying meals with credit cards that you don't pay off at the end of the month.

As a rule of thumb, all of your debt minus your mortgage and divided by your annual salary, should be less than 10%. All of your debts including your mortgage should be less than 35%.

Find out more through the links on this page. Click for tools, information and services that can help you find the right combination of saving for the future while living in the present.

Use Your Benefits

Not Just How Much to Save, But Where?

Playing the game, you saw your net worth change based on your choices. In reality, the impact of decisions isn't that clear and the stakes are much higher.

People's savings needs differ and depend on a lot of different things: goals beyond retirement, lifestyle, and timeframe. Many experts suggest saving at least 10% of your salary for retirement, and more than that if you've started later or have other goals, like funding a child's education.

How to save differs, too. There are many options, but your employer's retirement plan can be one of the best. Retirement plans often allow tax deferred savings, meaning you don't pay taxes on the money until you withdraw it. Some employers also give matching contributions. So, for example, if you save 5% and your employers contributes another 5%, that's your 10% minimum savings.

The links on this page include other ideas. Your retirement service provider's website will, too. It's a good place to get more education, to review your current account balance and savings plan, and to find tools to see whether you're on track.

Choose Your Funds

A Smoother Ride

Saving is two-thirds of the battle. But you also need your money to grow. Stock market investing can help, but it takes the right funds. Too aggressive, and you risk a big loss. Too conservative, and your money loses buying power.

Choosing a mix of stocks and bonds helps, but how do you choose the right combination? One guideline for retirement investing is to keep your age, as a percentage, in fixed income funds and invest the rest in stocks. That's a place to start, but you would still need to regularly revisit the mix and adjust it as you age.

Several sources can help. The links on this page provide more information on how to choose retirement funds. Your retirement plan's website will also have detailed information on your plan's options and information to help you pick the right investments for you.

Balance Your Goals

Make More Out of It

You played the game well, entering retirement debt free and with the savings you need to live comfortably. Here's hoping it goes as well in the real world!

You've got the right financial foundation. Now, how do you make the most of it?

People who've mastered the fundamentals can begin thinking about the nuances; not just having enough, but building your nest egg in the best way. Should you fund your 401k or your Health Savings Account first, for example? Is it best to get retirement on track before saving for a child's education?

The traditional answer has always been, "Pay off your debt. Stash away enough to cover six months' living expenses. Save for retirement. Pay for anything else with what's left." More and more, though, that may not be right for everyone. Depending on your health needs, your tax bracket and your goals, it may sometimes make sense to fund your accounts in a different order.

Visit the articles and explore the services listed on this page to find out what the right strategy is for you.

Other Topics

Add a Family Member

You Your Spouse Your Kids Future Kids*

*Future kids?!  We just mean children that you're planning to have in the future.

What does your future hold?

Now that we know a little about you, we can imagine the next 35 years.

They may include expected events (like ups and downs in the market), or unexpected ones (like a career change).

With each milestone, you decide what to do. We'll show you the impact of your decisions. Ready?


You made it!

Here's how you did:

Total household savings: $0
Total household debt: $0
Net wealth: $0

Your retirement readiness score is .

||

Add a Family Member

Add a Family Member