Finance
How To Save for Retirement Regardless of Your Income
It’s not uncommon for people to put off saving for retirement because they don’t think they earn enough money to open a retirement savings account. This is especially true for young people for whom retirement may be at least three or four decades away.
Retirement is so far away, and I’m not earning much money yet, is how the thinking often goes. I’ll start saving for retirement when I’m earning more later in my career. Besides, what’s the hurry?
“While it may be true that many young people are not yet in their peak earning years and retirement is still decades away for them, this doesn’t make it any less important to start saving for retirement as soon as possible,” says Martin Walcoe, EVP of David Lerner Associates, a broker/dealer with headquarters in Syosset, NY. “In fact, due to the power of compounding interest over time, the early years of a young person’s career may be the most critical when it comes to accumulating a sizable retirement nest egg.”
Here are four steps to help you save money for retirement regardless of your income or age:
1. Get in the game.The first step in saving money for retirement is to either participate in your employer’s retirement savings plan or open a retirement savings account (like an IRA) on your own. Talk to your human resources department about what kind of retirement plan (if any) is offered by your employer — such as a 401(k) or 403(b) plan — and how you can sign up for it.
If you don’t have access to an employer plan, you can open your own IRA with a bank or investment advisor. Talk to your advisor about the differences between traditional and Roth IRAs to determine which option might be best for you.
2. Establish a budget.Next, you need to create a household budget in order to free up some money that you can contribute to the plan. In establishing a budget, start with your income and then plan your expenses around this, rather than the other way around. Otherwise, it will be much harder to carve out some retirement savings.
With a budget in hand, you can see how much money is available after you have met your basic living expenses to possibly contribute to your retirement plan. Keep in mind that retirement savings aren’t the only kind of savings, though — some experts also recommend creating an emergency savings fund you can tap to cover unexpected expenses like car and home repairs.
3. Determine how much to contribute to your retirement account.Now you can decide how much of the money that’s available after expenses you want to contribute to an emergency savings account, your retirement account, or any other financial priorities you may have (like paying down debt).
Some experts recommend contributing a set percentage of your income each month to your retirement account, even if it’s a very low percentage as you’re getting started. This way, your contribution amount will automatically rise as your income rises. You can increase the percentage along with increases in your income in order to boost retirement savings even more.
4. Sign up for automatic contributions to the plan.Also known as “paying yourself first,” this is one of the easiest ways to contribute to your retirement plan because you don’t have to think about it — or be tempted to spend your contribution on something else. Through your bank or your investment advisor, you can arrange for your contribution amount to be electronically transferred from your checking account to your retirement account on the same day each month, which also makes budgeting easier.
Material contained in this article is provided for information purposes only and is not intended to be used in connection with the evaluation of any investments offered by David Lerner Associates, Inc. This material does not constitute an offer or recommendation to buy or sell securities and should not be considered in connection with the purchase or sale of securities. Member FINRA & SIPC
Finance
AI and the Future of LinkedIn: How Technology is Redefining Professional Networking

The tech industry has always been a proving ground for new tools and ideas, and right now one of the most powerful forces reshaping the way professionals connect is artificial intelligence. From the way companies recruit talent to how thought leaders build influence, AI is changing the rules of the game on LinkedIn and beyond.
Smarter Recruiting
Hiring managers no longer sift through stacks of résumés. AI-powered systems can analyze skills, career paths, and even cultural fit to recommend candidates. On LinkedIn, predictive recruiting tools help companies identify prospects before they start looking for a new role. The result is faster hiring and better matches between employers and employees.
Personalized Content Feeds
LinkedIn’s algorithm has grown into more than just a filter. It now functions as a learning engine that studies professional interests and behavior. For tech companies, this means employees and executives can reach the audiences that matter most. A thought leadership article, a product update, or even a short post can now land in the feeds of potential clients, investors, or collaborators with remarkable accuracy.
The Rise of Automated Outreach
Sales and business development teams are experimenting with AI-assisted outreach. Instead of sending hundreds of generic messages, companies can use tools that analyze profiles, identify key talking points, and create personalized introductions. While this raises questions about authenticity, it also makes networking more efficient and effective.
Data as a Strategic Asset
LinkedIn’s real strength lies in its data. Millions of profiles, skills, and career shifts create a powerful resource. With AI, companies can analyze that information at scale, spotting workforce trends, predicting which industries are about to grow, and even identifying where the next wave of innovation might emerge. For tech leaders, this kind of intelligence can shape everything from hiring strategies to market expansion.
Balancing Human and Machine
The challenge is keeping professional networking personal. AI can accelerate connections and refine the process, but relationships still depend on authenticity, trust, and shared experience. The tech industry, more than most, will need to find the right balance between automation and genuine human interaction.
As AI becomes part of the digital networking fabric, LinkedIn is evolving into more than a résumé platform. It is becoming a predictive, personalized ecosystem that reflects the future of work. For tech companies, learning how to use this shift to their advantage may be just as important as the innovations they are building.
Finance
PR and SEO Best Practices for Law Firms, Dentists, Wellness Companies, and Chiropractic Offices

These days, your reputation often begins online before a client ever walks through your door. Whether you run a law office, a dental practice, a wellness brand, or a chiropractic clinic, people are searching the web to find answers, compare options, and decide who they can trust. That is where public relations and search engine optimization come together.
PR shapes your story and builds credibility. SEO makes sure the right people actually see it. When the two are aligned, they create a cycle of trust and visibility that fuels growth.
Why PR Matters for Professional Services
Public relations is not just about getting your name in print. It is about shaping perception. A thoughtful media mention, a quote in an article, or a published expert opinion can position you as someone worth listening to. For a lawyer, this might mean explaining a high-profile case in plain language for the public. For a dentist, it could be offering preventative care tips during National Dental Health Month. Chiropractors might focus on wellness and posture awareness, while wellness companies can shine by connecting their products to lifestyle conversations.
“PR is about storytelling,” says Mike Falkow, CEO at Meritus Media. “For industries like law and healthcare, it is often the difference between being just another listing online and being recognized as a trusted voice.”
How SEO Brings People to You
PR helps you look credible. SEO makes you visible. If you want new clients to find you when they type into Google, you need smart SEO strategies. That includes clear keywords, easy-to-navigate websites, local business listings, and reviews.
A law firm in Los Angeles that wants more personal injury clients has to show up when someone searches for “Los Angeles personal injury attorney.” A Tampa chiropractor has to be easy to find when someone types in “back pain relief near me.” It is not just about ranking higher, it is about meeting people right at the moment they need you.
Blending PR and SEO
Here is where the magic happens. When you land a feature in a credible publication, that mention often includes a link back to your website. Google sees that link as a vote of confidence, which boosts your search rankings. On the flip side, a blog post that is written with SEO in mind can get picked up and shared if it is timely and tied to bigger conversations in the media.
According to Meritus Media, “The mistake many professionals make is treating PR and SEO as separate projects. The truth is they amplify each other. Press mentions bring credibility and backlinks, and optimized content helps that coverage travel further.”
Best Practices for Each Industry
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Law Firms: Build authority through thought leadership. Comment on relevant legal issues and create content around the cases and topics people are searching for.
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Dentists: Focus on education. Share preventative care tips, encourage reviews, and make sure your practice shows up in local searches like “dentist near me.”
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Wellness Companies: Lean into education-driven PR. Announce new research, highlight expert voices, and optimize for lifestyle searches such as “natural ways to boost energy.”
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Chiropractic Offices: Become the go-to local expert. Host workshops, engage with local press, and use SEO to highlight treatments tied to specific conditions and locations.
The Takeaway
A strong digital presence requires more than just a website. It requires being seen, being trusted, and being remembered. For law firms, dentists, wellness companies, and chiropractic offices, the smartest approach is one where PR and SEO are not competing, but working together.
As Meritus Media puts it, “It is not enough to have an online presence. You need to be discoverable, credible, and memorable. That is the sweet spot where PR and SEO intersect.”
Finance
A Smarter Way to Save: Real Strategies That Actually Work

Saving money often feels like something we should be doing, but somehow never quite master. Not because we lack discipline or financial know-how, but because most of us were never taught to approach saving in a way that feels organic and sustainable.
Forget the lectures about willpower. Think of saving more like tending a garden. You don’t expect a harvest overnight. You plant, water, and trust that something is growing under the surface.
Why Saving Feels Difficult
At its core, saving is about delayed gratification. You put money aside today for something you won’t enjoy until tomorrow. That can feel abstract and unsatisfying in a world where we’re used to quick wins.
Add to that the wear and tear of everyday decision-making. By the time you’re deciding whether to stash a hundred dollars or buy something impulsively, your mental energy is already spent. The easier option usually wins.
It’s not a character flaw. It’s a missing system.
Common Pitfalls That Derail Saving
One of the biggest traps is not knowing where your money is actually going. Subscription services, late-night shopping, and small indulgences add up fast.
Then there’s the issue of unclear goals. If you’re just “trying to save more,” it’s too vague to build momentum. Without a target, it’s hard to feel like you’re making progress.
Finally, many people treat saving as something they do only when it feels convenient. And as we all know, those moments rarely come around.
Simple Strategies That Actually Work
Start by making saving automatic. Set up recurring transfers to a separate account, even if it’s just fifty dollars a month. According to David Lerner Associates, automating your savings creates consistency without requiring daily effort. You don’t have to think about it—it just happens.
Next, tie your savings to something that matters to you. A trip. A safety net. A home project. As Martin Walcoe, CEO of David Lerner Associates, explains: “Saving works best when it’s connected to a goal you care about. Whether it’s building financial security or planning for something joyful, people are more likely to stick with it when it feels personal and meaningful.”
Small wins also build momentum. Consider using a round-up app that sweeps change from purchases into savings. Or throw spare change into a jar. These little actions remind you that progress doesn’t have to be dramatic to be meaningful.
Make Budgeting Feel Less Like a Chore
Instead of thinking of budgeting as a restriction, think of it as guidance. Look at your spending once a month. Track where your money goes. Treat savings like a bill—something you pay no matter what. Then adjust as needed.
Financial planning, like nutrition or exercise, is more effective when it fits into your natural rhythm rather than disrupting it.
Think Long-Term, Even in Small Steps
If you’re carrying debt, make a plan that works without pressure. Focus on understanding your terms and building a slow but steady path out. Saving and repaying can happen side by side. As Martin Walcoe puts it, “Finding the balance between repaying student loans, saving for the future, and investing is possible. With a proactive approach and the right strategies, you can tackle your loans while laying a strong foundation for financial growth.”
Even modest investing can pay off if you start early. Time does a lot of the heavy lifting. You don’t have to do it all—you just have to start.
Your Environment Shapes Your Habits
Surround yourself with people who share your mindset. Having a spouse, friend, or coworker on a similar journey can make saving feel more like teamwork and less like sacrifice.
And don’t overlook the importance of rituals. A monthly money check-in. A progress tracker. A celebration when you hit a milestone. These things help make saving part of your lifestyle rather than something separate from it.
Final Thought
Saving doesn’t have to feel like denial or discipline. When it’s tied to your values and built into your everyday life, it becomes a natural act of self-respect. Like nourishing your body, saving is an investment in the kind of life you want to live—not someday, but starting now.
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