Content Overview
- Summary
- Step 1. Calculate Your Real Earnings
- Step 2. Look At Increasing Your Paycheck Increasing Your Income Or Decreasing Your Expenses
- Step 3: If You Have A Cafeteria Plan, Consider Changing Your Elections
- Step 4. If You Have Retirement Savings, Consider Reducing The Amount You Put Into The Plan
- Step 5. Think About Changing Your Tax Withholding
- Step 6. Ask For A Raise
- Step 7. If You're Up To It, Consider Obtaining A Second Job
- Step 8. Consider Changing Jobs, Self-Employment Or Freelancing
How To Increase Your Income If You Are Working
Step 4. If You Have Retirement Savings, Consider Reducing The Amount You Put Into The Plan
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It's OK to save less for retirement if you are having trouble meeting your bills. Just try to get back on track as soon as you can -- especially since you'll be able to access your retirement funds should you go on disability, in addition to being able to access them at retirement age. Don't forget that money in a retirement account is safe from creditors, including Uncle Sam. To learn more, see Retirement Savings.
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