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The first thing that stops people from actually saving for retirement is that they just don’t understand how any of it works. Once you break things down and start researching to make yourself a simple, understandable, doable plan it will make more sense and become more realistic. So, how to get started building a retirement plan? First you need to do some research so you can understand what types of accounts you want to build into your plan. There are two main types of accounts that people use most often-401k and IRAs. The 401k account is done through your employer. An IRA is an independent retirement account, and you set that account up on your own. There are advantages and disadvantages to both accounts, and they are similar in many ways. Some people decide they only need one of these accounts, while others have both. What you do is all…