The goal of retirement planning is to be able to live independently and comfortably in retirement. Individuals allocate funds or revenue to save for retirement during their working years. The first step in retirement planning is to determine what you want your retirement to look like and how much money you will need to save to achieve that goal. Individuals will need to evaluate their health insurance, at which age they will collect social security, how long they will need to work, and a realistic retirement budget.
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