Making the Most of Your Golden Years: A Comprehensive Guide to Retirement Planning
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The decision on when to retire is ultimately personal and depends on many factors, including savings and living expenses. The average retirement age in the U.S. is 61, according to a 2022 Gallup poll, but it’s been increasing as life expectancy rises. Financial experts suggest people calculate their annual expenses and multiply that by how many years they plan to be in retirement to get an idea of how much they’ll need – although they should also factor in a cushion for underestimated expenses or increased life expectancy. Regardless of when you plan to retire, it’s crucial to start saving early and consistently to ensure a comfortable retirement.
Retirement planning can be a complicated process with several key milestones to consider:
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