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cover of episode “I’m a single mom with two kids in college. Will I ever be able to retire?”

“I’m a single mom with two kids in college. Will I ever be able to retire?”

2025/7/4
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky

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Jean Chatzky
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Rebecca
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Sarah
个人财务专家,广播主持人和畅销书作者,通过“Baby Steps”计划帮助数百万人管理财务和摆脱债务。
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Rebecca: 我是一名单亲妈妈,有两个孩子,希望在65岁左右退休。我目前年收入略高于10万美元,预计退休后每月养老金收入为3000-3500美元,社保收入为2500美元。我正在努力偿还房贷,并希望在退休前还清。我最大的担忧是,我目前的退休储蓄是否足够,以及如何平衡退休储蓄和当下的生活开销。我正在考虑是否应该加快偿还房贷的速度,或者将更多的钱投入到IRA或其他投资工具中。 Jean Chatzky: 退休规划的关键在于比较预计的支出和收入。你需要详细分析你的开支,并考虑到各种因素,比如医疗保险、住房、交通和旅行等。同时,要记住退休后不再需要像以前那样把大量的钱投入到储蓄中。关于是否应该加快偿还房贷,这取决于你的个人偏好。从数字上来说,将更多的钱投入到投资工具中可能会获得更高的回报,但如果你更看重退休后没有房贷的安心感,那么加快偿还房贷也是一个不错的选择。重要的是找到一个平衡点,既能为退休做好准备,又能享受当下的生活。

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Shownotes Transcript

In this special AMA Mailbag episode, Jean sits down with two thoughtful guests navigating how to prepare for the future as single moms.

First up is Rebecca, a mom of two in Oregon, about 15 years out from retirement. She’s wondering if she’s doing enough to get there. Then we hear from Sarah, a mom in Virginia with a big question: If something happens to her, how can she ensure her assets go directly to her daughter, not her ex? 

💡 Topics Covered:

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Planning for retirement as a single parent

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Pensions vs. savings: how to make it work

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When to prioritize paying off your mortgage

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Estate planning and guardianship for solo moms

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Trusts, wills, and protecting your child's financial future

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*🚀 FinanceFixx) – HerMoney’s 4 or 8-week Money Makeover financial coaching program that will help you get your finances on track! *

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Have a question for us? Write to us (or send us a voice note!) at [email protected]).  While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at* *)Hermoney.com/subscribe)!

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