Outside the Box: These 3 lessons can save you if you lose your job

Planning for retirement is easy if you’ve had a life of steady income and regular pay increases. But for many Americans, that life is not something they’re familiar with.

A job comes, then a reorganization follows. Your skills, you’re told, are no longer needed. Resumes go out. And the process starts anew. A new job may last a few years, and often, just when you start to get caught up, it is once again followed by a disruption.

What do you do when the income isn’t steady, or isn’t coming in at all?

If you’re in this situation it is unlikely you’ll seek professional financial advice, because naturally, you think of a financial plan as a tool for someone who has finances to work with.

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