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Set Your Goal


An important first step in early retirement planning is to have a goal in mind. If you goal is to retire living the same lifestyle that you are living at the time of your retirement Darwin Thompson Black Jersey , then you need to figure the annual expenses involved to live that lifestyle and how much income you need to cover those expenses, and multiply that number by the number of years of your life expectancy. Don’t forget to account for inflation and unexpected emergencies such as medical emergencies due to accidents or natural disasters.


You can do this calculation yourself or your can get help on the Internet with free retirement planning tools to make the math easier. No matter how little you can save toward your retirement plan, the important thing is to start as early as possible. The earlier you save, the more time your money will have to grow into an amount that will provide you with secure retirement.


Often, I find my children engaged in conversations about toys and games they plan to acquire…one day. With various methods and means of advertising Khalen Saunders Black Jersey , they are bound to eventually make the acquaintance of an item that captures their undivided attention. Unless it truly serves an educational need, my husband and I purchase out of necessity and do not over indulge our children in the latest “this” or the most advanced “that”. Instead, we strategically invest in a game or activity here and there while closely monitoring its use.


For several months, my sons had hoped to get an Xbox??. In spite of their many requests, it has not been honored. In 2008 they pooled together money they saved for a year and Juan Thornhill Black Jersey , with a little extra help from extended family, purchased a Wii??. As far as I was concerned, if I could hold onto my Atari?? for over ten years…and like it…then they had no room to even think about upgrading their two-year old console!


Recently, my older son made haste to get to me while in the kitchen. His face was all aglow as he planted himself just a few steps beyond where I stood. It was obvious that he had a brilliant idea and he was most anxious to hurl it my way! I could hardly wait to hear his sure-fire plan that, apparently Mecole Hardman Black Jersey , he surmised would be readily accepted. Knowing well my system of saving money, he suggested that in order for he and his brother to get the Xbox?? they long desired, I should put aside a little bit of money every week. Once I’ve saved enough, together we would go shopping for this just-gotta-have-one game and, finally Tyrann Mathieu Black Jersey , it would be theirs for years to come!


Stroking my chin while pausing briefly, I gently smiled at this beautiful tween-child of mine. For a moment, I got stuck on his most handsome face and keen mind. Seems like yesterday I just brought him home from the hospital! With the daze lifting, I applauded him for his ingenuity! It was most apparent he invested a bit of thought into how he could help me find a way to help him. In essence, should I adopt his plan then he could actually receive credit for contributing to the ultimate acquisition of the console.


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