There are a lot of ways to spend your money, but saving some now will make your life a lot easier tomorrow. You might accumulate enough for early retirement to enjoy the things you love, even making more money!

Think about retirement and how soon you expect it to occur. You’ll want to live comfortably, so putting money aside while you earn it in your working years ensures a happier future.

These are six of the best ways to save today for your retirement tomorrow:

• Budget planning — Save more now and spend less by creating a budget. Use extra money from raises or bonuses for your savings, Schwab recommends. Have contributions made to a retirement account done automatically each month to control your spending, Merrill Edge points out.
• Tax-deferred accounts — IRAs or 401(k) plans at work allow steady growth of your retirement savings by not taxing contributions. The money is taxed during withdrawals in retirement when you will most likely be in a lower tax bracket.
• Financial advice — A financial advisor or institution can set up a retirement plan for you through an IRA or your own brokerage account. Certified planners offer investments through stocks, bonds, mutual funds, money market funds, and other means based on your age and retirement goals, Investopedia notes.
• Property investments — Buying real estate may work for you through properties or investing in real estate funds. Many people have found success when using available money to buy a multi-family home they can live in while renting out part of it to help pay the mortgage. Real estate investment trusts (REITs) allow diversification in various properties through mutual funds.
• Risks now, safety later — Younger people can have a higher portion of their financial portfolio in riskier stocks that provide high returns. They have time to make up any losses. As a person ages and gets closer to retirement, rebalancing is necessary with more investments in safer resources, such as bonds. Target-date retirement funds were established to adjust investments that minimize risk as you age, CNN explains.
• Long-term care strategies — Buying life insurance policies with long-term care options helps to avoid losing your savings if you develop an illness later in life. Some policies allow you to take a portion of the cash value out for needed income in emergencies, according to Integrated Investment Strategies. An accelerated death benefit rider to a life insurance policy allows benefits for chronic illness, disabilities, or assisted living expenses.

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