As you move through the years working away at a job that you may (or may not) like, you may find yourself saying “There’s still time.”

There’s still time to save.

There’s still time to plan out your future.

There’s still time to achieve financial security before retirement.

But what if there isn’t that much time? The clock is ticking, and every second we spend not planning for the future causes us to lose out on precious dollars. That just doesn’t make sense.

Luckily, there’s help.

There is still time for you to take a few important steps towards achieving financial security and experiencing the blissful feeling of freedom.

Though some studies show people are saving less, causing them to be financially unprepared for retirement at or around age 65, others show that millennials are actually becoming better savers than their older generational counterparts.

That’s the perfect segue into our first tip, which includes planning at an early age.

Keep reading to learn more tricks and tips about how to achieve financial security before retirement and beyond.

Start Early

Obviously, the earlier you start saving, the better off you will be later on in life.

However, contrary to popular belief, it’s never actually too late.

Something is better than nothing, and like we said earlier, every second you spend not saving has some sort of monetary value attached to it, so you better spend your time wisely. Whether you put your spare change in a jar, set aside $1 a day, or invest more heavily in a savings account, IRA, or company-sponsored 401K, saving anything is better than saving nothing.

And speaking of investing your money, if you are already an accredited investor looking for a high return investment with low risks and flexible terms, it would behoove you to check out the Tactical Wealth Fixed Income Fund.

Planning for your future has never been simpler than with the Fixed Income fund, which allows you to receive peace of mind when it comes to your finances by paying out a stable, consistent monthly income.

Learn more about the Fixed Income Fund and remember, start saving now.

Treat Your Savings As An Expense

Allocate your resources properly by treating your daily, weekly, bi-weekly, or monthly, savings as an expense.

Calculate how much you should be saving each period and build it into your budget just as you would do for your credit cards, mortgage payment, or other expense.

Eventually the goal should be to get to a point where you have taken a significant bite out of your credit card debt, and you can replace your monthly credit card payments with savings instead. That way, you’ll still be budgeting for the same payments each month, but your money will be going towards your future rather than your debt.

Budget Your Money

Speaking of a budget, when planning for retirement you should always remember to live within your means.

Get comfortable with a certain way of life and maintain that level of comfort without going above and beyond those means.

The last thing you want to do is accumulate more debt as you inch closer towards retirement, so properly budgeting for your current living expenses can help you achieve your goals faster.

That way, when retirement hits and you have all the financial security and freedom you dreamed about, it will all be worth it. At that point, you can take luxurious vacations and make elaborate purchases at that time.

Still, while budgeting and planning is important, feel free to treat yourself every once in awhile. Just don’t make a habit out of it.

Diversify Your Investment Portfolio

We touched on investments a little earlier, but it’s important enough to revisit here again.

Investing in the stock market can be risky, but also worthwhile when you’re younger and can afford a little more of an aggressive strategy.

Your IRA can help diversify your portfolio as well, especially when you consider that contributing to an IRA means you are setting aside pre-tax money, thus allowing you to save and earn more before you take your distributions.

But as you get closer towards retirement, and maybe have enough wealth amassed to feel like you’re closer to the financial freedom you desire, it may be time to make an investment with lower risk and a high return.

If that’s the case, you may be tempted to invest in an annuity or bond. That’s not the right move, however.

Annuities and bonds are subject to confusing terms, a myriad of additional fees, and looming risk.

“Well,” you ask, “how can I get a diversified investment portfolio with lower risk?”

Thanks for asking. We can help.

Get Tactical

If you’ve followed all or most of these steps, chances are you’ve saved a good amount of money prior to retirement.

Congratulations! You’ll be better off for it.

But now, there’s one more step that you can still take towards achieving the bliss of financial freedom.

Imagine being able to receive stable, consistent income distributed into your account every month.

Imagine being able to make an investment with no fees, no confusing terms, and a low risk profile.

What you’re imagining is the Tactical Wealth Fixed Income Fund.

Because it’s based in real estate, our high return investment is easy and simple to understand. If you know how mortgages work, and chances are you do, then you know how our fund works.

How does it work? We buy mortgage and trust deed loans in historically stable and advantageous markets, which then pay out steady interest monthly at a rate that will never fluctuate.

It’s fixed, it’s flexible, and it’s reliable.

With the help of the Fixed Income Fund, you get an investment you can count on. Think about how monthly payments can help you achieve financial security in retirement and beyond.

It allows you to supplement or replace your current income, affording you peace of mind and a lifestyle you’ve always dreamt about.

Our tactical investment strategy is right for those without the need for immediate liquidity. Plus, you can always invest using that 401K or IRA that we mentioned earlier.

The possibilities are endless.

When it comes to retirement and achieving financial security, consider these steps. If you start early, invest often, treat your savings as an expense, and budget properly, you will be set up to achieve peace of mind later in life.

Contact Tactical Wealth today to learn more about the Fixed Income Fund and how it can help your financial future.