Depending on the type of company for which you work, your employer may either offer a 401(k) or a 403(b) plan. You may be automatically enrolled in this type of plan and have employer matching (where your contributions are matched by your employer), depending on your employer's policies. These accounts are separate from individual retirement plans like IRAs or Roth IRAs, which do not involve your employer. Contributions are made pre-tax. This means you only pay income taxes on the portion of your salary that you did not contribute to the retirement account. The funds you contribute to the account are then invested to allow them to grow. Your employer may offer you a default investment. Or, you may be able to choose how to invest the money. Your employer may also offer a matching program. This means they may match your contributions up to a certain amount. You must comply with the limits for contributions. The contribution limits depend on your age and marital status. As of 2015, for those under the age of 50, the maximum an individual can contribute is $18,000 per year or $1,500 per month. Couples can contribute up to $36,000 per year. Those over the age of 50 can contribute up to $24,000 per year per individual, or up to $48,000 per year for a couple. You pay income taxes on the money when you collect it during retirement. This is a bank account that allows you to save money for retirement in a tax-advantaged way. Also, age and the amount of contributions you are already making to retirement accounts at work affect the tax advantages of your IRA account. With a traditional IRA, you may be able to deduct contributions to your IRA on your tax return. A Rollover IRA is funded with money from a 401(k) or 403(b) from a previous employer. The tax advantages for which your IRA qualifies depends on the type of IRA account you open. With a Roth IRA, you make contributions to the retirement account post-tax. The money then grows tax-free over time. This means that when you withdraw the money during retirement, you don't pay any taxes on it, but you cannot deduct contribution from income as made. An HSA account allows you to save for certain kinds of expenses, such as doctor visits, prescription medications, dental and eye care and related costs. Then, these expenses become tax deductible when you are preparing your annual tax return. Unlike other kinds of retirement accounts, you can use the money before you retire. The funds roll over from year to year, and you must only use them on healthcare-related expenses. However, once you are 65, you can withdraw the funds and use the money for anything. The maximum annual contribution is $3,350 for an individual or $6,650 for a family. The amount increases by $1,000 if a family member is 55 years of age or older.
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One-sentence summary -- Open a defined contribution plan with your employer. Open a traditional Individual Retirement Account (IRA). Open a Roth IRA. Open a Health Spending Account (HSA).

Q: If you're still in the process of paying off your house, make eliminating your mortgage a priority. For most people, their mortgage is the biggest expense they have. Getting it off the books will free up a significant amount of money, which you'll then be able to put towards other things. If possible, pay a little extra with each mortgage payment. When you do, more of your subsequent payments will be used to decrease your principal balance. Another option is to switch to biweekly payments. Instead of making a full payment each month, you'll pay half the amount every 2 weeks. Depending on your loan's interest rates, this could take up to 8 years off of a 30-year mortgage. Make sure your school or business loans have been paid in full, along with your vehicle, credit cards, and any major purchases. If you still owe money to lenders or creditors when you begin nearing your ideal retirement age, you could end up saying goodbye to a significant part of your savings. Start putting as much expendable income you can towards paying back your debts. Outstanding debt can severely hamper your ability to save. You won't be able to accumulate any significant amount of money until you've gotten rid of (or at least shrunk) your debt. Reserve your credit card for cases of emergency, like when your vehicle needs a brand new transmission or a relative dies unexpectedly and you're left to foot the bill for the funeral. Credit cards make it all too easy to fall into the trap of debt. The more debt you rack up, the more of your savings you'll lose to fees and interest. It's always a good idea to pay cash for as much as you can. The cost will be the same, but there won't be any interest to come back and bite you. When you do use your credit card, make sure you pay off the full balance on time. Delayed interest and default fees can be devastating. Having kids doesn't make it impossible to retire early, but it can make it a lot harder. You'll be less likely to generate enough funds to retire early if you have mouths to feed at the time when it's most important to begin saving and investing. If you're not careful, you could even end up owing money. Families with a combined annual income of around $60,000 spend an average of $11,000 per year on each child under the age of 18. By establishing responsible saving and investing practices before you take on the commitment of having kids, you're more likely to have more money left over by the time they strike out on their own.
A: Pay down your mortgage. Clear up any existing debt. Use credit cards only as a last resort. Hold off on starting a family until you've started planning for retirement.

Article: Ask a friend who is a good listener to let you freely discuss the breakup. Confide in your friend and let this be an opportunity for you to "get it all out there." Sometimes saying the words out loud and to someone else can help with the recovery process. UCLA researchers have found that even if you don't uncover any new insights, simply naming and verbalizing feelings can mitigate sadness and anger. Try not to spend too much time alone until you're either over it or you've sorted it out; the immediate aftermath of a breakup is when you're most likely to think about the situation too deeply and being with friends/family can help take your mind off it. Use the end of your relationship as a way to figure out what was missing from your inner circle. Catch up on much-needed time with the people who know you best: your family and close friends. If there is a dance, club or any other activity you enjoy, go with your friends. It's good to get out and remind yourself that there is a whole big world out there. Although you may think that you need to be alone, it's important not to isolate yourself when you're emotionally fragile. If you feel completely overwhelmed with the emotions associated with the breakup and unable to engage in productive recovery strategies, consider seeing a therapist or counselor. You should seek external help if your emotions are interfering with your ability to complete daily activities or if you are suffering from conditions exacerbated or attributable to the breakup, such as depression or post-traumatic stress.
Question: What is a summary of what this article is about?
Talk it out. Spend time with family and friends. Consult a therapist.

Article: If not, tap the Sign In button and enter your email address and password. Use the tabs at the top of the screen to show books not already on your device and tap the Download button (a cloud with an arrow in it) to download a book.
Question: What is a summary of what this article is about?
Tap the iBooks icon on your device's Home screen to launch the iBooks app. Tap the Store button at the top of the interface. Scroll down to the bottom of the screen and check that you are signed in to your iTunes account. Tap the Purchased button at the bottom of the screen. All of your previous purchases are now listed.