Retirement is that stage in life when one does not have to work anymore. Hence, the term, the golden years - one has all the time in the world to do as he pleases. But, no more work also means no more active income. And without the sustenance, what good is all the time in the world? GOLDEN YEARS or WOEFUL YEARS..........it is up to you.
And it all starts with having a RETIREMENT FINANCIAL PLAN
And it all starts with having a RETIREMENT FINANCIAL PLAN