by Hope
I am still rolling my plan around in my head. Balancing debt pay off, savings and possibly retirement planning. I appreciate the well thought out responses to my post about looking toward the future.
I realize that debt payoff is my number one goal. There should be no doubt about that. But I am wondering, as I mentioned, if I should at least start a retirement account. I won’t do that until my EF is full funded, but that should be done by the new year.
But this is essentially what I am considering as I make a plan. With a goal of starting it by the end of October.

So I’m here today to ask if anyone has set “retirement goals” as far as a set amount saved? And if so, how did you come up with that amount? Have you thought out a budget for your retirement years? Do you know of any resources for researching these types of numbers?

Hope is a resourceful and solutions-driven business manager who has spent nearly two decades helping clients streamline their operations and grow their businesses through project management, digital marketing, and tech expertise. Recently transitioning from her role as a single mom of five foster/adoptive children to an empty nester, Hope is navigating the emotional and practical challenges of redefining her life while maintaining her determination to regain financial control and eliminate debt.
Living in a cozy small town in northeast Georgia with her three dogs, Hope cherishes the serenity of the mountains over the bustle of the beach. Though her kids are now finding their footing in the world—pursuing education, careers, and independence—she remains deeply committed to supporting them in this next chapter, even as she faces the bittersweet tug of letting go.
Since joining the Blogging Away Debt community in 2015, Hope has candidly shared her journey of financial ups and downs. Now, with a renewed focus and a clear path ahead, she’s ready to tackle her finances with the same passion and perseverance that she’s brought to her life and career. Through her writing, she continues to inspire others to confront their own financial challenges and strive for a brighter future.

