Retirement Planning
Hopefully, you are healthy and working in a job or doing a business. You are earning satisfactorily and generally, have enough for the month. You have some savings for rainy days as well. You are married and have growing kids with growing needs.
You don’t worry much about your routine expenses, although it’s tight. But when it comes to achieving your long-term financial goals e.g. buying a house, if you don’t have one, kid’s education and their marriage, etc, you don’t have a clear vision. You don’t feel as energetic as you used to, in your 30s and 40s. However, your routine expenditures are increasing and your major financial goals are approaching fast.