6 Reasons To Put Off Retirement Income Planning

As a financial planner who specializes in helping people make sure they have enough money to retire, I’m distressed when people put off their planning. Even though I get it!It’s hard to start planning for retirement. Perhaps you tried and gave up. Too hard. Too frightening to think about not having a job. But I don’t want you to mess yourself up and not be able to retire when you want. So, here are some of the most common reasons I hear for putting off retirement planning and my thoughts on moving past your reluctance. Who knows, you could even wind up enjoying yourself!
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When Can I Retire? 9 Questions To Answer First (Then You’ll Know)

Let me guess. You’re aching to retire, and you’d be counting the days…if only you knew how many you had left until you could afford to stop working. You punch numbers into your calculator. The answers make no sense but you scribble them down anyway. Maybe they’ll look better in writing. Nope. You wad up the piece of paper and throw it on the floor. “When can I retire?” you ask the empty room. You don’t know how much money you’ll need, or if you’ve already saved enough. And what about Social Security, didn’t you read something about maximizing your benefits? But how? Tension jackhammers your skull. Fear sweeps through you as you contemplate a future living out of a shopping cart. “Who can tell me, when can I retire?” you mutter. “And do I have enough money to retire?”
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