# 3620: 6 Habits of Above Average Retirement Savers by Craig Stephens of Retire Before Dad on Retirement Savings

Page: https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660/3620-6-habits-of-above-average-retirement-savers-by-craig-stephens-of-retire-before-dad-on-retirement-savings
Text version: https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660/3620-6-habits-of-above-average-retirement-savers-by-craig-stephens-of-retire-before-dad-on-retirement-savings.md
Podcast: [Optimal Finance Daily - Financial Independence and Money Advice](https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660)
Published: 2026-07-06T07:00:00+00:00
Episode link: https://traffic.megaphone.fm/OLD8520593132.mp3
Audio file: https://traffic.megaphone.fm/OLD8520593132.mp3
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Duration seconds: 650

## Resource

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today’s episode into an actionable plan? Join the Optimal Living Weekly newsletter and I’ll send you our 200-page digital workbook immediately. It’s packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3620: Craig Stephens outlines six practical habits that separate above-average retirement savers from everyone else, from consistently investing in tax-advantaged accounts to avoiding high fees and ignoring market noise. His advice shows how small, disciplined decisions made over many years can dramatically improve long-term financial security and help build a retirement portfolio that supports your goals. Read along with the original article(s) here: https://www.retirebeforedad.com/6-habits-above-average-retirement-savers/ Quotes to ponder: "Among the most important savings habits is consistency." "Successful retirement savers have an eye on the future and are less inclined to splurge on short-term pleasures and shiny objects." "The best strategy for most everyone is to contribute to accounts regularly and keep your hands off." Episode references: Vanguard How America Saves Report: https://institutional.vanguard.com/how-america-saves/overview.html Roth IRA Information – IRS: https://www.irs.gov/retirement-plans/roth-iras Fidelity Retirement Savings Statistics: https://www.fidelity.com/viewpoints/retirement/retirement-savings-by-age Learn more about your ad choices. Visit megaphone.fm/adchoices

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