Retirement Planning

How to plan for retirement

Financial Independence is the ultimate financial goal for most people.
 
Retirement has taken on a new meaning for most people. While it may not be desirable to do nothing and stroll along the beach the whole day upon retirement, the freedom to do exactly what you like to do, independent of money considerations, is certainly a worth while goal.
 
So how soon would you like to be financially independence? Tomorrow?
 
Realistically, a wealth accumulation project towards financial independence usually takes a few decades to achieve. For most people, they could be working 40 years (25 – 65 years old) to pay for the last 20 years (65 – 85 years old). So the ratio is saving 2 years to fund 1 year, or slightly better with an effective investment program.
 
How are you planning for retirement? How to retire with the lifestyle that you desire? Are you on track?
 
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