Barbara Ginty

If the value today is a million, which is round numbers, and then we'll just say you're just 50, then at 60, they could be 2 million if they're making 7.2% interest. But if you're also contributing to them, even for half that time, till 55, or even till 60, could be a lot greater than 2 million.

What I would say is you're correct. So the 2040 fund is going to become more conservative as you get closer to 2040, which is in 15 years. But what I would say is I'm a big believer that time mitigates risk. Let's just say on April 1st of this year, as we know, we've had a lot of volatility in the last couple of weeks.

What I would say is you're correct. So the 2040 fund is going to become more conservative as you get closer to 2040, which is in 15 years. But what I would say is I'm a big believer that time mitigates risk. Let's just say on April 1st of this year, as we know, we've had a lot of volatility in the last couple of weeks.

What I would say is you're correct. So the 2040 fund is going to become more conservative as you get closer to 2040, which is in 15 years. But what I would say is I'm a big believer that time mitigates risk. Let's just say on April 1st of this year, as we know, we've had a lot of volatility in the last couple of weeks.

If you were looking to pull your monthly income out, it would have been a very nerve-wracking time to do that with what was going on in the market. So I believe more in the bucket theory where you segment out your investments based on the time. And so what I would do in your shoes is if you know you're going to start pulling from those accounts, we'll go back to the timeframe, at age 60, right?

If you were looking to pull your monthly income out, it would have been a very nerve-wracking time to do that with what was going on in the market. So I believe more in the bucket theory where you segment out your investments based on the time. And so what I would do in your shoes is if you know you're going to start pulling from those accounts, we'll go back to the timeframe, at age 60, right?

If you were looking to pull your monthly income out, it would have been a very nerve-wracking time to do that with what was going on in the market. So I believe more in the bucket theory where you segment out your investments based on the time. And so what I would do in your shoes is if you know you're going to start pulling from those accounts, we'll go back to the timeframe, at age 60, right?

And they're going to start supplementing your day-to-day expenses. The money that you're going to be spending over the next 12 to 24 months should be in a more conservative and I would argue a cash alternative because we know we're going to spend it. So it shouldn't be in the market.

And they're going to start supplementing your day-to-day expenses. The money that you're going to be spending over the next 12 to 24 months should be in a more conservative and I would argue a cash alternative because we know we're going to spend it. So it shouldn't be in the market.

And they're going to start supplementing your day-to-day expenses. The money that you're going to be spending over the next 12 to 24 months should be in a more conservative and I would argue a cash alternative because we know we're going to spend it. So it shouldn't be in the market.

Yeah, absolutely. So as Kay said, she's been doing this, they've been saving diligently and been very conservative with saving for her entire working career. And what I would say is it usually takes people around 30 years to get to their target retirement and have saved enough money.

Yeah, absolutely. So as Kay said, she's been doing this, they've been saving diligently and been very conservative with saving for her entire working career. And what I would say is it usually takes people around 30 years to get to their target retirement and have saved enough money.

Yeah, absolutely. So as Kay said, she's been doing this, they've been saving diligently and been very conservative with saving for her entire working career. And what I would say is it usually takes people around 30 years to get to their target retirement and have saved enough money.

And so it is prudent for it to take a couple years to plan for your retirement and have those conversations about what do we want our retirement to look like? What do we want to allocate for whether you're a homebody or you want to travel? What does our retirement look like? And what are the things we want to plan for?

And so it is prudent for it to take a couple years to plan for your retirement and have those conversations about what do we want our retirement to look like? What do we want to allocate for whether you're a homebody or you want to travel? What does our retirement look like? And what are the things we want to plan for?

And so it is prudent for it to take a couple years to plan for your retirement and have those conversations about what do we want our retirement to look like? What do we want to allocate for whether you're a homebody or you want to travel? What does our retirement look like? And what are the things we want to plan for?

And start doing this, which is what, Kay, you're doing, which is wonderful, in advance of that retirement date so that you can really refine your numbers and make sure you have everything you need so you're able to maintain your current lifestyle and enjoy your retirement.

And start doing this, which is what, Kay, you're doing, which is wonderful, in advance of that retirement date so that you can really refine your numbers and make sure you have everything you need so you're able to maintain your current lifestyle and enjoy your retirement.

And start doing this, which is what, Kay, you're doing, which is wonderful, in advance of that retirement date so that you can really refine your numbers and make sure you have everything you need so you're able to maintain your current lifestyle and enjoy your retirement.