(MONEY Magazine) -- The road to retirement is littered with distractions. In the hurly-burly of life, so many things compete for your attention that you can lose sight of what really matters most.
That's where MONEY's checklist comes in. We've created to-do lists for each of the main stages of retirement planning. Think of them as basic reminders you can set aside and refer to on occasion -- say, every year or so -- to make sure you're on the right track.
It needn't be a complicated list. Says Charles Farrell, a financial adviser and author of Your Money Ratios: "Simpler is better. Focus on a few key goals and you won't miss the forest for the trees."
Goal: Develop the habit of saving.
Savings: 1.5 times your annual salary by age 35.
|Overnight Avg Rate||Latest||Change||Last Week|
|30 yr fixed||3.99%||3.98%|
|15 yr fixed||3.18%||3.14%|
|30 yr refi||4.01%||4.02%|
|15 yr refi||3.20%||3.17%|
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