3 Retirement Spending Phases
If you find a way to get in some of retirement leisure during your earlier years then worry about the excess cost of a later retirement may not matter as much. You might feel as if you've found what you want to do and be where you want to be.
If you don't have kids and grandkids then your financial considerations are simpler in the sense that you can plan for life annuity contracts rather than planning on a legacy for a descendant. It also means that if you have your cash flow managed then you will be less concerned how large are your total assets.
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