The retirement crisis is upon us. The political leaders and financial Guru’s on TV are telling people they will have in order to retire later and function longer. 1/3 of those aged 67-68 are still working. 29% of all retirement aged people have practically nothing saved. More than 40% of the Seventy six million baby boomers and the 55 million GenX-ers have more debt than savings. Congress recently dicated to steal $150 million from Social Security and for most its unlikely there will be adequate to survive, that is if the politicians don’t cancel it all together.

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Are you terrified yet? Well you don’t have to be!

Many people think the targets with regard to retirement are out of reach. But thetruth would be to retire and have income for life doesn’t imply you need to have millions saved.One of many largest and most respected purchase softwares, Wall Street Profitable, subscribers certainly see absolutely no signs of being effected from the retirement crisis. But does that mean you ought to get started investing right now? We asked former NASA Mathematician Ron Groneke -- to share some of his thoughts on the crisis. Here's what he to say.

If you are reading this article you are already one step prior to the game. The secret to getting ahead of time is getting started. Most people think targets for retirement are unrealistic, and they are right. The fact is you will need only two things to retire money and time. If you have less time you need additional money. If you have more money you need much less time.

If you're under 50 (if you have more time)

Did you know that $25,000 compounded at monthly come back of only 2.5% will accumulate for you to $1,000,000 in 15 years or less?True, that's a mathematical fact! In this situation anyone under 50 should have one goal. That is to save a minimum of $25,000 so with mathematical certainty they can be a millionaire. Once your small expenditure of $25,000 has matured the monthly income, without touching a dime from the $1million you have gained, will harvest a monthly income of $25,000 at the very same 2.5% monthly return.

Do you think you could have a nice retirement with $1Million money saved and $25,000 of monthly income? Let's suppose you contribute more than $25,000, incredible!

If you're over 50 (if you have more money)

When you have more money saved you need less time. If you start with more than $25,000, lets say $100,000... You've kept time. Not as much time but as you have more money saved you can create more in the same moment.

Your money will be doubling each and every 3 years at 3% monthly. Within 10 years you will have achieved $1Million dollars and the same $25,000 per month of income for life. If you substance your money for an extra five years, your own 1 million dollars will develop to $3.6 Million dollars.

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