• ____ Determine your "current and future net worth" (www.americasaves.org/back_page/personal_wealth_es
  timator.cfm) Sponsored by America Saves.

Determine your current income and expenses.

• ____ Print and complete the "Spending Plan Worksheet" (www.rce.rutgers.edu/money/pdfs/fs421worksheet.pdf)
  Sponsored by Rutgers University.

Determine your current assets, savings, debts, income and expenses.

• ____ Use the calculators for budgets (www.choosetosave.org/tools/fincalcs.htm#bud) and savings. (www.choosetosave.org/tools/fincalcs.htm#sav ) Sponsored by Choose to Save®.

Estimate your retirement income.

• ____ Select the retirement income estimate (www.asec.org/ballpark) that best fits your needs. Sponsored by the American Savings Education Council.
• ____ Estimate your retirement income. (www.choosetosave.org/tools/fincalcs.htm#ret ) Sponsored by Choose to Save®.

Estimate the Social Security benefits you will receive. Social Security may be one part of your total retirement income.

• ____ Locate the benefit statement you received from Social Security last year. You should receive a benefit statement 2-3 months before your birthday each year. Or, request a benefit statement online. (www.ssa.gov/pebes) It may take up to 2-4 weeks to receive it by mail. Sponsored by the Social Security Administration.