Juggling act. Real priorities.

You’re probably balancing commitments to a career, family, home, or all three. Despite competing financial obligations, push yourself to increase your savings. A rule of thumb is to try to maintain an emergency fund of three to six months in living expenses to help weather a possible job loss or health crisis. As an added benefit, you may sleep better at night!

Real steps

Real steps

Check your progress

Find ways to potentially maximize savings

  • Max-out contributions to your employer-sponsored plan. Make catch-up contributions if eligible (age 50+).
  • Be smart about debt. If necessary, make lifestyle changes to pay down debt and save more money.
  • Redirect bonuses and pay increases to your retirement savings.

Evaluate investment strategies

  • Review your investments and asset allocation to help make sure they reflect your risk tolerance and time horizon.
  • Be strategic about financing your children’s education without derailing your retirement goals. Money tips for parents

Cornerstones of Retirement

When you're in your 40s, 50s, and even 60s, aim for a balanced strategy. Continue to seek options that offer growth potential for your investments, while taking steps to help protect and consolidate your financial positions prior to retirement. Engage in legacy planning if you haven't done so already. Think offense and defense. In life as in sports, both can contribute to a win. Learn about the cornerstones of retirement planning

Starting Out

Step by step, start making your retirement real.

Getting Organized

Stay focused and continue investing in your retirement.

Enjoying Retirement

Fine-tune your plan and begin living your real retirement.

Related Topics

Run the numbers

Estimate what it may take to save for your retirement.

Retirement Calculator

RealSteps>Retirement® Resource Guide

This guide includes information and tools to help you take action and manage your retirement goals.


Get Started

Work with U.S. Bank
Bankers can help you create a plan to save for retirement. Find a Branch

Need advice?
U.S. Bancorp Investments Financial Consultants can help. Call 800-871-6250 or have us contact you

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