S A U N A I E

Hello Ladies & Gentlemen, Welcome Back to another season of S A U N A I E

On this episode we'll be discussing Advice We'd Give To Our Younger Selves, Retirement Tips, & Helping a Friend Through a Break-Up. 

1st Quote: Have the Courage to be who You Are, Not what people expect you to be.

2nd Quote:  The answer lies within ourselves. If we can't find happiness there, it's not going to come from the outside.

Segments: Advice I'd Give To My Younger Self, Retirement Tips, & Tips for Supporting A Friend after a Break-Up.

Segment #1: "Advice For My Younger Self"

•  Read More : improves brain connectivity, increases your vocabulary & comprehension, Empowers you to empathize w/ others, reduces stress, prevents cognitive decline as you age.
• Write More: Clears your mind & prepares you for decision Making, Helps you deal with stress, Clarifies your emotions, Helps you take Action, & Gives you a Record of your Personal Development
• Practice Public Speaking : Boost Confidence, Improves Communication Skills, Personal Satisfaction, You Form Connections
• Value Friendships: Help you cope w/ Trauma, increase your sense of belonging and purpose, & improves your self-confidence and self-worth
• Learn To Invest : Time allows you to take risks, Compound Interest Makes A Difference, Your spending habits will improve, Be a step ahead of everyone else, 
• Know When To Leave: This is big because I feel like we don't know when to leave we get comfortable & ignore the little things because we don't know when or how to leave, but the 1st step is knowing that something better is on the way.
• Find A Mentor: They can be encouraging & empowering you in personal development, they help identify & achieve personal goals as well as career goals, they identify & correct gaps in generic skills & knowledge.
• Trust Your Gut
• Network : Strengthen business connections, Get Fresh ideas, Raise Your Profile, Advance your Career, Get Access to Opportunities, Gain Knowledge, Get Career advice & Support. Remember Networking is about Giving. 

***What advice would you give to your younger self?*** let us know www.SAUNAIE.com

  Segment #2: " Retirement"

• Facts - Only 40% of Americans have calculated how much they need to save for retirement. 

- in 2018 almost 30% of private industry workers w/ access to a 401k plan didn't participate 

- The average American spends roughly 20 years in retirement. 

1. "Start Saving Now & Keep Saving" 

- Start small day by day save a % of what you make/earn. Then increase your saving percentage each week or month. The sooner you start saving, the more time your money has to grow. Make saving for retirement a priority. Create a plan that benefits you & your money habits, stick to it & set goals OR create a system.

2. " Know Your Retirement Needs" 

- Experts estimate that you'll need 70 to 90% of your Pre-retirement income to maintain your standard of living when you stop working. The key to secure your retirement is to plan ahead.

3. "Contribute To Your Employer's Retirement Plan" 

- If your employer offers a retirement plan, sign up and contribute as much as you can. Your taxes will be lower, your employer may contribute more too, and auto-pay helps make this goal easier. Over time compound interest and tax defferals make a HUGE difference in the amount you will accumulate. Find out & research the retirement plan they offer like How much would you need to contribute so that they can match you  & How long would you need to stay with the plan to get the money?

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