Retirement Planning: You Can Never Start Too Soon

By Beth Gigante Klingenstein, NCTM | American Music Teacher, December/January 2021/2022
Fri, 08 Aug 2025 15:49:44 -0800

My favorite quote about planning for retirement comes from Chris Hogan, “The Retirement Fairy isn’t coming!” (2016, 113). Another favorite by Hogan, “The money you save while you’re working is the income you’ll have in retirement” (2016, 114). If you are in your 20s or 30s, maybe you feel like retirement is too far off to think about now. If you are in your 40s or 50s, maybe you are too concerned about house payments and putting your kids through college. If you are in your 60s or older…time is passing in a blink. No one wants to retire poor or continue to work far into old age, so here is the good news: There are specific steps that can be taken to secure the retirement years.