According to the U.S. Department of Labor, while the average American spends 20 years in retirement, fewer than half have calculated how much they need to save for the golden years. Retirement is expensive. Experts estimate that you will need at least 70 percent of your pre-retirement income (for lower earners, it could be up to 90 percent) to maintain your standard of living when you stop working.

If you are looking for a job, you probably have a long list of what needs to be done: Search job boards and the wanted ads. Update your resume and references. Buy interview clothes. Review your credit report? The last task is an often overlooked step in the job search process. However, for many employers, credit reports play an important role in hiring decisions, and having a strong credit report can increase your chances of landing a job.

October is National Higher Education Month! If you are preparing for the costs of a college education, and are considering your borrowing options, there are some important details to understand about college loans.

“Over the hill” surprise birthday parties can be fun. But one shock you don’t want in your 50s is the realization that you’ve completely overlooked retirement or are significantly behind where you need to be. No matter why you’re falling short, if you are, it’s time for a retirement offensive. Here are a few things to consider as you try to re-energize your savings game.

Even with life’s joyous occasions, like a wedding or expecting a child, saving money will always be a common denominator. Although living on less to prepare for the future isn’t easy, planning and a positive attitude are key to your success.

Many people use the new year as a chance for a fresh start. When it comes to your finances, this is the perfect opportunity to think about changes to your current financial habits. If you’ve struggled to increase your savings or spend less, start the year right with these tips and money-smart moves.

With different stages in your life, diverse achievements and challenges await. But no matter what your age, being money-smart is always a wise choice. Curious how to meet your financial goals, no matter your age? Take a look at these tips.