How To Talk to Someone Who Needs a Retirement Plan

Practice difficult financial conversations with our interactive Money Talks tool

Cartoon image of eight people talking about retirement.

Saving for retirement is one of the trickiest financial goals to navigate. Your golden years feel so far away, which can make it challenging to stay motivated. But then, the older you get, the harder it is to set aside enough money to retire successfully.

Given how important saving for retirement is, it can be worrisome to see someone you love falling behind. Although they’re not alone—fewer than 4 in 10 workers feel their retirement accounts are on track, according to the Federal Reserve—it’s never too late to start. Using our interactive Money Talks tool, you can practice chatting with a friend, partner, or parent about securing their future.

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The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. Federal Reserve. "Report on Economic Well-Being of U.S. Households in 2021 - May 2022, " Page 79.

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