Baby boomers have lived through extremes - work available, work shortages, shortage of workers, mortgage interest rates over 12% to mortgage interest rates lower than 2.5%. The only constant seems to have been an increase in the cost of living, taxes and personal debt. When we were young, most mothers were housewives. Now, most mothers also need to work to help with the household expenses.
If you don't already have a budget in place for your retirment, there is no time to lose. You need to know how much income you will need to have in order to pay the day to day bills and have a rainy day fund in place for when something finally breaks down. If travelling is part of your future plans, how much will you need to have to go to your dream vacations?
Enjoy your life now and when you retire. All things are possible, if we take the time to know what we want, what we will need, and then focus on how to get there.
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