5 Ways Saving for Retirement Is Sexy

Get your sexy on by... what? Yes, by saving more for retirement.

Woman in car talking on cell phone.
Talking about money is seriously sexy stuff. Sri Maiava Rusden/Getty Images

If you want to up your “sexy” factor, save for retirement. I’m not kidding. Saving for retirement, and then talking about it with your significant other, whether that be a serious relationship or a spouse, is sexy. Here are five reasons why saving for retirement, and talking about it, makes you sexier.

1. People Who Plan Ahead Are Attractive

Spur-of-the-moment decisions are the spice of life, but planning ahead is the main dish.

If you want solid relationships and stability, you plan for it. Planning for what you want is an attractive quality at any age. People respect others who can set goals and take steps to accomplish those goals. And saving for your future says a lot about your character and your positive attitude about the future. People want to be around other people that have a positive outlook on the future.

Saving for retirement demonstrates both your ability to plan and your positive outlook on the life that your future you will be living one day. Even if you find yourself in a place where you are starting over financially later in life, it’s not too late. Let go of the past, and look ahead.

2. Balance Is Beautiful

Saving for retirement requires you to find a healthy balance between spending on items that provide immediate gratification, and being responsible and saving so you can maintain a comfortable lifestyle later.

That kind of balance is a beautiful thing. The more balance you can maintain, the more you’ll find that other people look up to you and turn to you for advice.

Finding balance doesn’t mean you save so much that you have no fun today. It means you carefully examine how much to contribute to your 401(k) or IRA, and start contributing, even if you can’t do as much as you’d like.

Each year you can up your savings amount until you are saving enough to make sure your future is secure.

3. Discipline Is a Turn-On

It takes discipline to work out on a regular basis, and it takes disciplined to set aside money into a 401(k) plan or IRA each month. Discipline is a turn on. Don’t believe me? Think about all the movies with military hunks and heroines.

Putting money into a 401(k) plan may not involve sweat and sore muscles, but it does take mental discipline, and a willingness to commit to something other than the whim of the day. Long-term relationships are based on commitment and discipline — the same values it takes to save for retirement.

If you can set yourself up on a “pay yourself first” plan, where money automatically goes into savings right from your paycheck or checking account, then you are on the right track.

4. Smart Is Sexy

Anyone can spend every penny they make. That’s easy to do. Smart folks save some of what they make. That’s not always so easy. Given the choice of dating or marrying someone who is a carefree spender or being with someone who is smart enough to save for their future, the kind of person who is worth building a life with will choose the smart one.

That’s the kind of person you want to be, and the kind of person you want to attract.

Smart folks also know when they need to seek outside advice because they realize they can’t possibly know it all. If you aren’t sure how much to save or what type of account or investment to use, seek professional financial advice.

5. Confidence Is Magnetic

Once you’re saving for retirement, talk about it. This demonstrates confidence in your goals and your actions. Confidence is a magnetic quality that others will be drawn to. In a world where people avoid tough conversations about saving and income levels, you will stand out.

My friends were shocked to find out I made my boyfriend do a budget and a financial plan before I would even discuss moving in together. But you know what? He respected me for that. I was confident that I didn’t want to be with anyone who wasn’t willing to demonstrate financial responsibility. That kind of confidence is key to having a happy life and creating a relationship that will last.