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Futures Steady as Tech Selloff Eases; Amazon Drops on AI Spending Surge

U.S. stock futures held steady in early premarket trading after a sharp tech-led decline earlier in the week, giving investors a moment to reassess the sector’s rapid pullback. Major index futures hovered near flat, suggesting a more measured tone after days of volatility. While sentiment remains cautious, some traders appear to be stepping back in following the recent selloff in high‑growth names. Amazon shares slipped in premarket action after the company signaled a significant increase in capital expenditures tied to artificial intelligence infrastructure. The planned investment highlights Amazon’s push to expand its AI capabilities, but the scale of spending raised concerns about near‑term pressure on margins. Market attention now turns to upcoming economic data and corporate earnings, which could help determine whether tech stocks regain momentum or continue to face headwinds. For the moment, futures point to a steadier start as investors look for the next catalyst.
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Building a Solid Future: Navigating Retirement Savings on a Modest Income



Saving for retirement might seem like a daunting task, especially when you're not earning a substantial income. However, with careful planning and disciplined financial habits, it's entirely possible to build a nest egg for your future. Here are some strategies to consider:


Prioritize a Budget and Cut Unnecessary Expenses

Creating a budget is an essential first step in any retirement savings plan, regardless of your income level. Take a close look at your monthly expenses and identify areas where you can cut back. This could involve reducing discretionary spending, renegotiating bills or subscriptions, and finding more cost-effective ways to meet your needs. Every dollar you save from unnecessary expenses can be redirected towards your retirement fund. It's surprising how even small, consistent contributions can add up over time.


Take Advantage of Retirement Accounts and Employer Benefits

Even if you're not making a lot of money, don't underestimate the power of retirement accounts and employer-sponsored benefits. If your employer offers a 401(k) or similar retirement plan, contribute at least enough to take advantage of any matching contributions. Employer matches are essentially free money that can significantly boost your savings. Additionally, explore options like a Roth IRA, which can provide tax advantages in retirement. While you might not be able to contribute large sums initially, consistently contributing smaller amounts can make a significant impact over the long term.


Incremental Increases and Side Hustles for Extra Income

As your income grows, even modestly, consider gradually increasing your retirement contributions. This incremental approach can help you adjust to higher savings without straining your budget. Additionally, explore opportunities to generate extra income through side hustles or freelance work. The gig economy offers a range of flexible options that can complement your primary income. Allocate this extra income directly to your retirement fund to accelerate your savings. While it might take time to see substantial results, the consistency and determination you demonstrate now can set a strong foundation for your retirement years.

Remember, the key to successfully saving for retirement on a limited income is consistency and discipline. Every dollar you set aside today is an investment in your future financial security. By adhering to a budget, taking advantage of retirement accounts and employer benefits, and seeking additional income sources, you can build a retirement fund that provides you with peace of mind and financial stability in the years to come.















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