Retirement planning can seem like a daunting task, but it doesn’t have to be. By budgeting, saving, investing, and having a solid estate plan in place, you can ensure a comfortable future for yourself and your loved ones.

Determine where you want to retire to, get your living quarters paid before retirement and, ideally, all larger debts paid off as well. Your income drops in retirement so carrying (large) loans hurts. Eventually, things like medical expenses might/will increase so you need the flexibility to handle this without resorting to cat food.

But don’t put off enjoying life until retirement as your body and social arrangement might not be what you want - save yet live during your years.