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If you have an employer-sponsored retirement plan, begin by putting in at the least as much as your employer will match (employer match = free cash!). Then, problem your self to increase your contribution by 1 % any time you get a raise. Keep in mind that the highway to career success isn’t at all times a straight line, so be certain to take money in your retirement fund with you when you progress on to a new employer. You can even open a person retirement account (IRA) to avoid wasting even more money on your own. This is a superb choice if your job doesn’t supply retirement benefits.

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From an revenue investor’s point of view, USB is a greater choice in the meanwhile because in a excessive-inflation surroundings it is honest to expect yearly dividend will increase. Citi will not be able to provide that benefit, and searching back to the financial crisis of 2008 when Citigroup stopped paying dividends for greater than 2 years, U.S. Bancorp saved up (decreased) payments to buyers. So even in a drastic financial downturn, I believe that USB is a safer selection from a dividend perspective.