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Start Retirement Planning Now - It's Always the Right Time

Who has time to think about retirement? You have bills and loans to worry about, right? Truth is, it's always the right time to make a simple plan and take steps toward saving for retirement.

As your life changes, your plan can change right along with you—stay on track.

Let's get started together.

Start a Plan for Retirement and Stick to It

Having a retirement plan, even a simple one for now, can help you start where you are and stay in charge of your retirement along the way.

How Much Do You Need to Retire?

Retirement income that's 70 to 90 percent of your income right before you retire can generally help you maintain your lifestyle. See how much planning it will take with Calculate My Retirement.

Build & Maintain Good Credit

Manage debt carefully. Bad credit scores can keep you from getting better loan rates and leave you with less money to save.

Keep an Emergency Fund & Protect Yourself

Maintain at least six months' salary in a regular Savings Account or Money Market Savings Account. Consider health insurance and disability insurance too.

Pay Yourself by Saving

Once your emergency fund is in place, pay yourself by putting money into a savings or Money Market Savings Account as often as you can. See how even small amounts can pay off big.

Invest in a 401(k)

If your employer offers a 401(k) plan, enroll and have contributions automatically deducted from your paycheck. Many employers even match some contributions.

Changing Jobs? Consider a Rollover.

Consider rolling employer-sponsored 401(k) funds into an Individual Retirement Account (IRA) if you change jobs.


When rolling over a 401(k) into an IRA, it's important to do a full comparison on the differences in the guarantees and protections offered by each respective type of account as well as the differences in liquidity/loans, types of investments, fees and any potential penalties.

Neither State Farm® nor its agents provide tax or legal advice.