What is Your Saving story? “When I started I simply watched where I spent my money and made a few cuts. After I started [saving] I would increase my investment annually by the amount of my annual pay increase… By doing it this way, it did not seem like I was investing more, it just seemed like I was making the same amount every year.” What Does the Fund Do For You? “I was looking for tax-deferred savings opportunities and the YMCA Retirement Fund made that easy. I also have total confidence that they will continue to invest responsibly and never lose money.” What Do You Picture Doing in Retirement? “Spending a lot of time with friends and family and volunteering (probably for a Y)!”