A reader is overwhelmed by all the information out there, so Howard talks to her directly in a video.

Question: Sometimes I hate the Internet. When I search for, “How much do I need to save for retirement,” I get millions of answers — seriously, 210 million search results. I’m not looking for an exact amount right now, I just need some basic advice. Then maybe you can tell me where to go from there.

— Julie in New Hampshire

Howard Dvorkin CPA answers…

It’s an irony, isn’t it? It takes a lot of work right now to figure out how to not work much later in life.  Tragically, many Americans are ignoring the issue, which we all know won’t make it go away. In fact, Debt.com has documented three easy ways to planing our retirement savings.

To give you the basic overview you seek, Julie, I recorded this short video…

What to do next

I’m a big fan of online calculators — Debt.com has several to help you manage your debt — so you might want to check out one of the many available for retirement savings. My favorite is Bankrate’s Retirement Calculator.

However, if there’s one lesson I’ve learned in more than two decades of counseling Americans about their money, it’s this: If you’re burdened by credit card debt, saving enough for retirement is nearly impossible. If that describes you, call one of our certified credit counselors at for a free consultation.

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About the Author

Howard Dvorkin, CPA

Howard Dvorkin, CPA

I’m a certified public accountant who has authored two books on getting out of debt, Credit Hell and Power Up, and I am one of the personal finance experts for Debt.com. I have focused my professional endeavors in the consumer finance, technology, media and real estate industries creating not only Debt.com, but also Financial Apps and Start Fresh Today, among others. My personal finance advice has been included in countless articles, and has appeared in the New York Times, the Washington Post, Forbes and Entrepreneur as well as virtually every national and local newspaper in the country. Everyone should have a reason for living that’s bigger than themselves, and besides my family, mine is this: Teaching Americans how to live happily within their means. To me, money is not the root of all evil. Poor money management is. Money cannot buy happiness, but going into debt always buys misery. That’s why I launched Debt.com. I’m glad you’re here.

Published by Debt.com, LLC