It’s important to be honest with yourself in understanding how much money you will need to live comfortably in your later years. Do you need a trip or vacation every year, or every month? Do you need to play golf every day, once a week? Do you have health concerns and ailments that require large sums of money every month spent on medication or care? Will you be satisfied with taking walks, going to the library, or using free public resources to fill your day. The truth is that we can all survive an a very tight budget, but 99.99% of us will not be happy just surviving. Be honest with yourself, make sound retirement plans by working towards having a cash flow that is at least 80% of your monthly income while you are still employed.
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