Two years ago I began planning my retirement, it’s more like giving rewards to myself after decades of hard work and devotion to my career. I was so excited and enthusiastic that I planned everything where and how will spend time with my family and friends. It’s latitude to do things, wanted to do but due to making career never get time. Everything seems to change faster than I ever thought, this huge change is awesome.
I probably heard a lot of advice about how to save more money for retirement. Everyone tells the same story about what I need to do before retirement, but no one exactly answers me how to have a secure retirement. Actual expenses in retirement can vary significantly from individual to individual; therefore, the pattern of our future expenses may be “lumpier” than expected. I am not among those who feel overwhelmed when life seems out of our control. I have great ways to make a difference and always have been a planner, structured bucket strategy that gives a clear picture of my future.
Planning for retirement isn’t easy, they will be a lack of awareness like what’s leftover at the end of the month, how to be financially independent.
In my finance advice, long-term investment will be the best retirement planning with reasonable returns. Retirement is a great opportunity, living a life of freedom, no boredom, no work pressure, deadlines just relax and exhale all the stress just happiness. And if you’re like a lot of people, probably think that it’s a great idea — not exactly sure where to find the saving for your retirement. Or you are among those retirees who are having trouble making ends meet, have more free time than ever be innovative with extra time to do gardening, take long walks, play bridge, socialize with friends, playtime with grandkids and engage in other healthy, positive activities. There are multiple ways to make sure that you will have a beautiful sunrise or sunset, the sighting of a bluebird in your yard, a child’s laugh at the grocery store, even a rain shower or a postcard view of a winter storm. Speaking of friends, realize that many people don’t think too much about saving — they just hope it happens. This type of saver might deposit their paychecks and hope that they take leftover as savings.
This new phase is perpetual well-rested and less stressful, all the credit goes to my beforehand planning. My bucket list included all my hobbies and things I am passionate about i.e. from gym membership to take a cooking class, make new friends, meet someone for coffee or lunch, get a massage or go for a manicure, and last but not the least travel around the world. Life is good during retirement and getting better with proper management and planning. Since retirement savings are a long-term investment, it is important to invest in instruments that offer higher-than-inflation returns.
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