My Mother Tried Claiming My Retirement Fund - Until the Advisor Spoke Up скачать в хорошем качестве

My Mother Tried Claiming My Retirement Fund - Until the Advisor Spoke Up

My Mother Tried Claiming My Retirement Fund - Until the Advisor Spoke Up I learned to save for retirement at twenty-three, the year my sister Claire declared bankruptcy for the first time. She was twenty-five then, drowning in credit card debt from a "business venture" selling essential oils. Mom had co-signed her car loan, her apartment lease, and three credit cards. When Claire's pyramid scheme collapsed, Mom lost twelve thousand dollars. I watched it happen from my tiny studio apartment where I ate ramen and worked sixty-hour weeks as a junior accountant. I watched Mom stress-cry at the kitchen table. I watched Dad take on extra shifts. I watched Claire move back home, tearful and apologetic, promising to do better. That's when I opened my first IRA.I was terrified of ending up like Claire—broke, dependent, always one crisis away from disaster. So I automated everything. Fifteen percent of every paycheck went straight into retirement accounts. I maxed out my 401(k). I lived below my means, saved aggressively, and learned everything I could about compound interest and market diversification.