Ask Brianna: How do I save for goals other than 退職?
"Ask Brianna" is a Q&A column from NerdWallet for 20-somethings or anyone else starting out. I'm here to help you manage your money, find a 職業 and 支払う／賃金 off student 貸付金s ― all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to askbrianna@nerdwallet.com.
Q: I know I should save for 退職, but that's so far away. How do I also save for the things I want sooner, like a house, a vacation or a move to a new city?
A: You'll see me 令状 about 退職 over and over in this column ― it comes with the 領土 as a personal 財政／金融 writer. Talking 退職 gets my planning, strategizing, and, yes, lecturing engines going, because Americans need 激励. Almost half of families had no 退職 account 貯金 in 2013, によれば an 経済的な 政策 学校／設ける 分析 of 連邦の Reserve data.
FILE - This June 24, 2016, とじ込み／提出する photo, 供給するd by NerdWallet shows Brianna McGurran, a columnist for personal 財政／金融 website NerdWallet.com. "Ask Brianna" is a Q&A column for 20-somethings, or anyone else starting out. (Jazeena Baeza/NerdWallet 経由で AP, とじ込み／提出する)
You'll need to start saving now if you want your 地位，任命する-work years to be filled with excitement and 可能性, not 苦悩 over how to 支払う／賃金 your 法案s. But while you save, you can also live a 変化させるd, 満足させるing life in your 20s and 30s. Decide on your 優先s, make a 計画（する）, and be savvy about where you put your money. Smart money 管理／経営 now means more fun stories to tell your grandkids when you're happily retired later on.
GET YOUR RETIREMENT SAVINGS ON TRACK
As a 20- or 30-something, you have one big advantage over older folks when saving for 退職: time. The money you earn on your 投資s has １０年間s to grow, so you can save a little every month without 徹底的に cutting 支援する on other expenses. If you wait to save, you might have to make some 堅い sacrifices to catch up in your 40s and 50s.
与える／捧げる to a 401(k) if you have one at work, and 追加する enough to match your company's 出資／貢献s if they're 申し込む／申し出d. Open an individual 退職 account if you don't have a 401(k). 目的（とする） to save 10 パーセント of your 甚だしい／１２ダース income for 退職, which can 含む an 雇用者 match.
PRIORITIZE OTHER GOALS
選ぶ your 最高の，を越す no nretirement goals, decide when you want to 達成する them, then create a 貯金 計画（する）. You can 始める，決める up direct deposit at work so part of your paycheck goes straight into your 貯金 account, says Damian Dunn, a 財政上の planner and 大統領，／社長 of NextGen 財政上の Life Planning LLC in Auburn, Indiana. You'll be いっそう少なく likely to spend your money if it's not easily accessible, he says; 連邦の 法律 限界s 撤退s from 貯金 accounts to six per month.
Here's how to save for the three ありふれた goals you について言及するd in your question:
― 負かす／撃墜する 支払い（額）: Renting 作品 just 罰金 for many 20- and 30-somethings, 特に if you want to be able to move easily. But if buying a house is a major dream of yours, start saving as 早期に as you can to get の近くに to the 20 パーセント 負かす／撃墜する 支払い（額） most 従来の mortgage 貸す人s prefer.
The best place to save depends on how soon you think you'll buy. An online 貯金 account is the most 柔軟な, but a 証明書 of deposit, also known as a CD, will 申し込む／申し出 a higher 利益／興味 率 if you can wait for four or five years. CDs 要求する you to keep your money locked away at a bank or credit union for a 確かな 量 of time, which will keep you from dipping into your account in the 暫定的な.
― Travel: Online 貯金 accounts are also ideal for 近づいている trips; some let you 始める，決める up sub-accounts you can 指名する (say, "Costa Rica Adventure 基金") to keep you 動機づけるd. Consider using a cashback or travel rewards credit card before your trip, 特に if it has a 調印する-up 特別手当, to get 割引d flights or hotel stays. 支払う／賃金 off your balance each month so you don't 支払う／賃金 利益／興味, which is money that could go toward your vacation instead.
― Moving: Your 20s is an ideal time to 調査する careers and live in different places. But with rent and student 貸付金s to 支払う／賃金, you'll need to save money before you can run away to Los Angeles to 追求する your 事実上の／代理 dreams. Save at least six months' 価値（がある） of necessary expenses so you have a 衝撃を和らげるもの if you can't find a 職業 権利 away. Before the move, try making extra money by 交渉するing 負かす／撃墜する or 取り消すing subscriptions like cable, taking on extra part-time work or socking away 税金 refunds and 特別手当s.
A 十分な life is more than just planning for the 未来, and your postgrad 職業 lets you afford the trips or leather jackets you could only covet when you were in college. You should enjoy those things in the １０年間s before you retire. All you have to do is 計画（する） for them.
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This column was 供給するd to The Associated 圧力（をかける） by the personal 財政／金融 website NerdWallet.
Brianna McGurran is a staff writer at NerdWallet. Email: bmcgurran@nerdwallet.com. Twitter: @briannamcscribe.
関係のある links:
NerdWallet: Which CD 称する，呼ぶ／期間／用語 Length Should You Choose?
https://nerd.me/3-nerdwallet-banking
