For many years I maintained an individual retirement account at my local savings bank. Most of my retirement savings are in TIAA, so this is a supplement. At age 70 1/2 one must begin to withdraw from their IRA which I had to do today. I have other funds that I can draw from. I am quite pleased with my retirement income.
My advice to readers here is that it is never too early to start saving for retirement. Some people don't plan to fail, but they just fail to plan. I saw that in a poster at my financial adviser's office several years ago.
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