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New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning

Posted on 03/26/25

Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. What is the RetireReady NJ Program?

The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.

How Does It Work?

When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.

The RetireReady NJ Program offers you several key benefits:

1. Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.
2. Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.
3. Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.
4. Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.

Why It Matters

Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.

New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.

So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.

Sources:
https://nj.gov/treasury/securechoiceprogram/savers/index.shtml
https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/
https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf

 

This story is provided by AARP New Jersey. Visit the AARP New Jersey page for more news, events, and programs affecting retirement, health care, and more.

AARP Events for Trenton

AARP Events for Trenton

• AARP Smart Driver™: Friendship Circle Senior Center

  Monday, Mar 31, 2025 at 9:00 a.m. ET

  Friendship Circle Senior Center

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• AARP Smart Driver™: Congregations Of Shaare Shamayim

  Monday, Mar 31, 2025 at 10:00 a.m. ET

  Congregations Of Shaare Shamayim

  Elkins, PA

• AARP Smart Driver™: Huntingdon Valley Library

  Monday, Mar 31, 2025 at 10:30 a.m. ET

  Huntingdon Valley Library

  Huntingdon Valley, PA

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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
						<div class="posted-on">
				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
						<div class="posted-on">
				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
						<div class="posted-on">
				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
						<div class="posted-on">
				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
						<div class="posted-on">
				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
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				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
						<div class="posted-on">
				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
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				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
						<div class="posted-on">
				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
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				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
						<div class="posted-on">
				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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			<header><h1 class="article-headline">New Jersey’s RetireReady NJ Savings Program: A Game Changer for Retirement Planning</h1></header>	
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				Posted on 03/26/25 
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        </div><p>Retirement planning is crucial, yet many Americans, especially those in low-income, African American, and Hispanic communities, lack access to employer-sponsored retirement plans. States across the U.S. are implementing automatic IRA savings programs to address this gap. These programs automatically enroll workers in state-facilitated IRAs, making it easier for them to save for retirement. New Jersey is part of this movement, ensuring its residents have a straightforward way to build their financial future. <b>What is the RetireReady NJ Program?</b><br><br>The RetireReady NJ Program is a state-sponsored retirement savings plan that allows New Jersey employees to automatically save a portion of their paycheck into an Individual Retirement Account (IRA). This program is particularly beneficial for those who do not have access to an employer-sponsored retirement plan. By providing a straightforward and accessible way to save, the RetireReady NJ program ensures that more New Jerseyans can build a nest egg for their future.<br><br><b>How Does It Work?</b><br><br>When you start a job in New Jersey, you're automatically enrolled in the RetireReady NJ program if your employer doesn't offer a retirement plan. A small percentage of your paycheck is deducted and deposited into an Individual Retirement Account (IRA). You have the flexibility to adjust your contribution rate or opt out of the program entirely. The money you save is managed by professionals, ensuring it grows over time.<br><br><b>The RetireReady NJ&nbsp;Program offers you several key benefits:</b><br></p><ol start="1"><li>Automatic Enrollment: One of the hardest parts of saving is getting started. With automatic enrollment, you're in the game without having to do anything, or you can opt out and re-enroll later.</li><li>Portability: If you change jobs, your savings go with you. That means you don't have to worry about losing your retirement money if you switch careers.</li><li>Professional Management: Experts handle the investments, so your savings have the best chance to grow. You don't need to be a finance whiz to build a nice nest egg. RetireReady NJ offers tools and resources to help you maximize your savings in retirement and reach your financial goals.</li><li>Tax Advantages: Your contributions might be tax-deductible, which means you could save on taxes while you save for retirement.</li></ol><p><b>Why It Matters</b><br><br>Saving for retirement is super important, but it can be tough to know where to start. Programs like the RetireReady NJ program make it easier by automating the process and offering a safe way to save money. Plus, having a plan in place can help you feel more secure about your financial future.<br><br>New Jersey's program is part of a larger trend where states are stepping up to help people save for retirement. Studies show that automatic savings plans really work, especially for those who might not have saved otherwise. It's all about making sure everyone has a shot at a comfortable future.<br><br>So, there you have it! The RetireReady NJ program is a great tool for anyone looking to secure their future, and it's making a big difference for New Jerseyans. Whether you're just starting your first job or thinking about your future, it's good to know there are programs out there designed to help you succeed.<br><br><u>Sources:</u><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fsavers%2Findex.shtml&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811732207%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Wt5J8Kya%2F9nRToq5r6b3X4DpnkfJCjFQgnS0nkO2XBk%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/savers/index.shtml</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/" target="_blank" rel="noopener noreferrer">https://www.aarp.org/money/retirement/states-with-automatic-ira-savings-programs/</a></span></span><br><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnj.gov%2Ftreasury%2Fsecurechoiceprogram%2Fdocuments%2Fpdf%2FSaversFS.pdf&amp;data=05%7C02%7Cbfiber%40aarp.org%7Cb656bcdfa7d44c2835ed08dd513d478c%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C638756045811759145%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=xSJn3m6hKS1Ee1j06e4ScfdpcNjLzto6iE%2Fk9EZHEyE%3D&amp;reserved=0" target="_blank" rel="noopener noreferrer">https://nj.gov/treasury/securechoiceprogram/documents/pdf/SaversFS.pdf</a></span></span><br><br>&nbsp;<br></p></div>
    
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		<p><i>This story is provided by AARP New Jersey. Visit the <a href="https://states.aarp.org/region/new-jersey/" target="_blank">AARP New Jersey</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p>
	
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include - APP/View/Layouts/aarp_2023.ctp, line 244
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View::renderLayout() - CORE/Cake/View/View.php, line 546
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Controller::render() - CORE/Cake/Controller/Controller.php, line 963
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