retirement

Budget for retiring list

Spending plan

Instructions:	1.	Calculate monthly net income in box 1.
	2.	Estimate monthly expenses -- sum of fixed (2a), controllable (2b) and monthly portion of periodic expenses (2c).
	3.	Compare income and expenses and make adjustments.

2b. Controllable expenses

*Monthly portion of premiums NOT paid by employer OR automatically deducted from your paycheck OR listed with your periodic expenses on Page 2.

Reproduced with the permission of Michigan State University Cooperative Extension

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By Jennie Phipps

Retirement »

African Americans face financial challenges

African Americans earn less, save less and support extended families, making retirement planning more difficult.

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