{"id":5177,"date":"2024-12-24T11:01:40","date_gmt":"2024-12-24T17:01:40","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=5177"},"modified":"2024-12-24T10:30:12","modified_gmt":"2024-12-24T16:30:12","slug":"paso-10-plan-de-jubilacion","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/step-10-plan-for-retirement\/","title":{"rendered":"12 pasos hacia el bienestar financiero \u2013 Paso 10: Planifique la jubilaci\u00f3n"},"content":{"rendered":"<p>Ahora que ha aprendido a disfrutar de manera responsable y es consciente de su puntaje crediticio, es hora de comenzar a planificar su jubilaci\u00f3n. \u00a1Esto es cierto sin importar la etapa de tu vida!<\/p>\n<p>Nunca es demasiado pronto (ni demasiado tarde) para empezar a planificar su jubilaci\u00f3n. Sin embargo, como todos los objetivos de ahorro a largo plazo, lo ideal es planificar la jubilaci\u00f3n con la mayor antelaci\u00f3n posible. Esto se debe a que cuanto m\u00e1s tiempo dedique a que crezcan sus ahorros, mayores ser\u00e1n los ahorros con los que ser\u00e1 recompensado cuando llegue el momento de sacar provecho de sus fondos.<\/p>\n<p>Aqu\u00ed le mostramos c\u00f3mo comenzar a planificar su jubilaci\u00f3n.<\/p>\n<p><span class=\"bold\">Establecer un n\u00famero objetivo<\/span><\/p>\n<p>Antes de comenzar a ahorrar dinero para el futuro, determine cu\u00e1nto necesitar\u00e1 ahorrar para vivir c\u00f3moda e independientemente durante su jubilaci\u00f3n. Los expertos recomiendan tomar sus gastos de manutenci\u00f3n actuales y multiplicar ese n\u00famero por 400 para alcanzar la cantidad que necesitar\u00e1 para mantenerse seg\u00fan un rendimiento 4%.<\/p>\n<p><span class=\"bold\">Elija sus cuentas de jubilaci\u00f3n<\/span><\/p>\n<p>A continuaci\u00f3n, deber\u00e1 seleccionar un lugar para guardar sus ahorros para la jubilaci\u00f3n. Hay muchas opciones a considerar, algunas de las cuales es posible que ya tenga si est\u00e1 empleado. Aqu\u00ed hay una revisi\u00f3n r\u00e1pida de las dos cuentas de jubilaci\u00f3n m\u00e1s comunes:<\/p>\n<ol>\n<li><span class=\"bold\">401(k)<\/span><br \/>\nSi est\u00e1 empleado actualmente o anteriormente, es posible que ya tenga un 401(k) que est\u00e9 recaudando dinero para su jubilaci\u00f3n e invirti\u00e9ndolo para que pueda tener la oportunidad de crecer. Aprovecha esta herramienta de jubilaci\u00f3n maximizando tus aportes. Adem\u00e1s, muchos empleadores igualar\u00e1n una parte o la totalidad de sus contribuciones, que es literalmente dinero gratis que ayudar\u00e1 a que sus inversiones crezcan, con impuestos diferidos.<\/li>\n<li><span class=\"bold\">IRA<\/span><br \/>\nUn <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/invertir-asegurar\/ahorro-especializado\/certificados-de-ahorro-ira\/\">Plan de Jubilaci\u00f3n Individual (IRA)<\/a> es un fondo de jubilaci\u00f3n que permite que su dinero crezca, con impuestos diferidos. Al igual que con un 401 (k), algunos empleadores igualar\u00e1n una parte o la totalidad de las contribuciones. Sin embargo, existen l\u00edmites federales sobre cu\u00e1nto puede agregar a su IRA anualmente. Puede elegir entre una IRA convencional o una IRA Roth. Una IRA convencional permite que su dinero crezca con impuestos diferidos, pero los retiros est\u00e1n sujetos a impuestos. Una Roth IRA no presenta un crecimiento con impuestos diferidos, pero los retiros calificados no est\u00e1n sujetos a impuestos.<\/li>\n<\/ol>\n<p>En la siguiente tabla se presenta un breve resumen de los pros y los contras de cada veh\u00edculo de jubilaci\u00f3n para facilitar la comparaci\u00f3n.<\/p>\n\t<div class=\"co-rates_table_wrap co-rates_table_wrap__products_list\">\n\t\t<table class=\"co-rates_table\">\n\t\t\t<caption class=\"co-rates_table_wrap--title\" id=\"retirementoptions\">\n\t\t\t\tOpciones de jubilaci\u00f3n\t\t\t<\/caption>\n\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<p>Caracter\u00edstica<\/p>\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<p>401(k)<\/p>\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<p>Cuenta IRA Roth<\/p>\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<p>IRA tradicional<\/p>\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Caracter\u00edstica<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>Permite fondos de contrapartida<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>401(k)<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>S\u00ed<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Cuenta IRA Roth<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>No&nbsp;<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>IRA tradicional<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>No<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Caracter\u00edstica<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>Deducible de impuestos<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>401(k)<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>S\u00ed<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Cuenta IRA Roth<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>No<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>IRA tradicional<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>Depende de los ingresos, el estado civil para efectos de la declaraci\u00f3n de impuestos y otros factores.<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Caracter\u00edstica<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>Crecimiento con impuestos diferidos<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>401(k)<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>S\u00ed<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Cuenta IRA Roth<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>No<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>IRA tradicional<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>S\u00ed<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Caracter\u00edstica<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>Retiros sujetos a impuestos<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>401(k)<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>S\u00ed<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Cuenta IRA Roth<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>No<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>IRA tradicional<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>S\u00ed<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Caracter\u00edstica<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>Contribuci\u00f3n anual m\u00e1xima (2024)<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>401(k)<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>$23,000<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Cuenta IRA Roth<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>$7,000<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>IRA tradicional<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>$7,000<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Caracter\u00edstica<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>Contribuci\u00f3n anual m\u00e1xima a partir de los 50 a\u00f1os (2024)<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>401(k)<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>$30,500<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>Cuenta IRA Roth<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>$8,000<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t\t<p>IRA tradicional<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p>$8,000<\/p>\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t\t<\/table>\n\t<\/div>\n\n<p>Una vez que haya identificado la estrategia de fondo de jubilaci\u00f3n que mejor se adapte a sus objetivos, tambi\u00e9n deber\u00e1 elegir un lugar para invertir el dinero. Los veh\u00edculos de inversi\u00f3n de bajo riesgo, como los bonos federales o los fondos fiduciarios, suelen ser la mejor opci\u00f3n.<\/p>\n<p><span class=\"bold\">Seleccione un fondo con fecha objetivo<\/span><\/p>\n<p>Si est\u00e1 ahorrando para la jubilaci\u00f3n mediante el uso de un 401(k), aseg\u00farese de verificar si su empleador ofrece un fondo con fecha objetivo. Esto se refiere a su fecha de jubilaci\u00f3n planificada. Sabr\u00e1 que su empleador ofrece un fondo con fecha objetivo si hay un a\u00f1o calendario en el nombre del fondo, como &quot;BK Holdings Retirement 2055 Fund&quot;. Simplemente determine una estimaci\u00f3n del a\u00f1o en el que desea jubilarse y luego elija el fondo con la fecha m\u00e1s cercana a su fecha de jubilaci\u00f3n prevista.<\/p>\n<p>Un fondo con fecha objetivo es una opci\u00f3n inteligente porque distribuye el dinero de su 401(k) entre muchas clases de activos, como acciones de grandes empresas, acciones de peque\u00f1as empresas, bonos y acciones de mercados emergentes. Luego, a medida que se acerca la fecha objetivo, el fondo se vuelve m\u00e1s conservador y posee menos acciones y m\u00e1s bonos, lo que reduce autom\u00e1ticamente sus riesgos a medida que se acerca la fecha de su jubilaci\u00f3n.<\/p>\n<p>Con un poco de trabajo y mucha planificaci\u00f3n tendr\u00e1s tu futuro asegurado de la mejor manera posible.<\/p>","protected":false},"excerpt":{"rendered":"<p>Una vez que haya resuelto su presente financiero, es hora de planificar su futuro financiero, es decir, la jubilaci\u00f3n. Hay varias formas de ahorrar para sus a\u00f1os dorados, con un 401(k) a trav\u00e9s de su empleador o una cuenta IRA convencional o Roth. Cada uno tiene reglas diferentes, \u00a1as\u00ed que elige el que mejor se adapte a tus necesidades! <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/step-10-plan-for-retirement\/\" aria-label=\"contin\u00fae leyendo acerca de 12 pasos hacia el bienestar financiero \u2013 Paso 10: Planifique su jubilaci\u00f3n\">sigue leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":5186,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[50,43],"tags":[],"class_list":["post-5177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-budgeting"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>12 Steps to Financial Wellness - Step 10: Plan for Retirement<\/title>\n<meta name=\"description\" content=\"Once you\u2019ve got your financial present taken care of, it\u2019s time to plan for your financial future, namely retirement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-10-plan-de-jubilacion\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"12 Steps to Financial Wellness - Step 10: Plan for Retirement\" \/>\n<meta property=\"og:description\" content=\"Once you\u2019ve got your financial present taken care of, it\u2019s time to plan for your financial future, namely retirement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-10-plan-de-jubilacion\/\" \/>\n<meta property=\"og:site_name\" content=\"Abilene Teachers Federal Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-24T17:01:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.abileneteachersfcu.org\/files\/Step-10-Plan-for-Retirement.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"950\" \/>\n\t<meta property=\"og:image:height\" content=\"634\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elizabeth Gray\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elizabeth Gray\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-10-plan-for-retirement\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-10-plan-for-retirement\\\/\"},\"author\":{\"name\":\"Elizabeth Gray\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/#\\\/schema\\\/person\\\/bf0be1a597cee3416b218e0e09e1d5c5\"},\"headline\":\"12 Steps to Financial Wellness &#8211; 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