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Baby steps to retirement savings
Babies crawl before they can walk. Their first step is the most important -- it is the beginning of a lifetime journey.
If you know you should begin saving and investing for retirement, don't worry about making a giant leap forward. Taking one small baby step toward retirement savings can lead to momentum. Before you know it, that first timid baby step will have led to confident strides toward retirement security.
"People don't act if they don't think their actions will improve their situations, so the whole concept of baby steps is a great idea," says Dave Littell, retirement income program director at The American College in Bryn Mawr, Pennsylvania.
Here are a few suggestions to march toward a rich retirement.