Do you feel like you are prepared for retirement? I really would like to start planning better for me and my husband. How have you prepared for retirement?

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I got a Roth 403B years ago and began with $50 a month in. I have GOOD money manager to work with and I trust him. I think that is key. A lot of them are grifters who just want to make bank and don't really care about the job; they won't work with people who aren't giving a lot each month.

This Roth (pre-taxed at 2013 rates) is the best thing I ever did. A lot of people have more and different, but I think this is a good place to start.

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I think a Roth account is such a good idea. Especially because no matter what job you change to you can add to it.

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I started a Roth years ago. I started with $100 a month and every year when we got a little raise I put that in too. It adds up faster than you think.

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That's a great idea! Its hard to make the initial effort but it's worth it.

I am not prepared. We have the MTRS here in MA. I am enrolled in retirement plus, but that is it. I still have 15 more years until retirement. I know it will go fast. Maybe this summer I will research and start a better plan.

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I'm mire worriedthan anything. I have put off extra investment because it takes everything we make to just cover the bills and expenses. Now I am 60 with no plan.

You should speak to your school district retirement planner/specialist. They usually come to the schools frequently to advise and help staff to join in on saving up for retirement. You should already be paying into your pension account too.

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