10 Resolutions for Retirement Readiness

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Maximize retirement savings tax breaks.

DEREK LATTA—ISTOCK

Utilize tax-deferred retirement accounts as much as possible in the years leading up to retirement. Workers ages 50 and older can contribute up to $22,000 to a 401(k) in 2010. Those over age 50 with an adjusted gross income of $66,000 or less ($109,000 for couples) can save another $6,000, tax-deferred, in an IRA.