Retirement Planning

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Most people associate retirement with much more than not working. They also think that when you don’t go to the office every day you also don’t get that paycheck either.

Retirement is different things to different people. For those in their 20s, it's a distant dream. For those in their 30s and 40s, it's a minor concern. For those 50 and beyond, it's a reality that must be dealt with. No matter what your age, you should start to prepare for your retirement and the sooner the better.

Retirement planning is about more than investing and saving. It’s also about enjoying your life after you decide to retire from your career or job. To fully enjoy yourself after retirement, you should have a plan on how you will spend your time and where you will live. You probably should start now to get in shape so you will enjoy a healthy retirement. What about your family, how do they fit into your retirement plans? Your retirement plans should go well beyond finances.

Many young people don’t think that they need to plan for retirement. Heck, I’m only 40 and I don’t really think about planning for retirement. But the reality is that there is no time like the present to start thinking about your future.

Unless you are near retirement age, you will no doubt procrastinate about retirement planning. It’s probably impossible to expect someone in their twenties to make serious retirement plans. Even those with 15 to 20 years left before retirement might havetrouble with firm financial plans.

In your twenties, your retirement plans will probably consist of a basic savings program. Retirement is many years away and your thoughts are probably more on buying a house than on retiring. In your thirties, your thoughts might be on sending your children to college and thoughts of retirement are not important. When you reach your forties, you begin the wonder where the years went and start to consider serious planning for when you retire.

Here, consider, is the key word. If you’re like most people, you consider planning but don’t quite get around to it. Then all at once, you are in your fifties and realization hits. You are near retirement age and haven’t given any thoughts to how you will afford to quit working and enjoy your retirement years.

OK, no matter what your age, there is hope for your retirement plan. Most employers provide a pension plan, the government provides social security, and you might have some investments and real estate. The younger you are the better but with some serious thought, you can pull it off.

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