RE: Have you thought about your retirement?
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We can't predict the future, but you have time still, 20 years, in that these 5 years you can plan to get richer and save. So many oppurtunities are there.
Seriously, this time we have lots of challenges - climate change being one. Also, I think you still should enjoy life now and be happy for what you have and keep working smartly for future.
You do well for next 2-3 years, consolidate, then plan ahead consolidate.
But I see things get complex if you have expenses and family like kids education, college education, health care and stuff, inflation adds up, so get wealth appreciation and savings would help I guess. I am not very good at finances, but surely if you keep doing well now, or working for better and improving now, you won't be kicked down to poverty.
And another aspect, I perhapes won't look forward for old age now, we live well now without regrets, ready to pass off this miserable world then, may not have the strenght to tolerate it. The fear more than finance is also - will I die alone, lonely, suffering and such things. I think that's common too, future is uncertain, we can only enjoy our present and try for better future with the choices we make.
Somewhere they say... sucess is all round, not just in wealth, but in relationships, in good things you did and the love you have, that when you die people remember you. Not that it matters, but its something, doing something worthwhilw and valuable in our entire lifetime.
We still have time, to build wealth, to change lives and many do many things atleast for the next 5 -6 years until we get to worry about these serious things, lets see when we turn 45 or something, time is there still.
I understand you perfectly @mintymile, it's true, there is time for everything. I think we are living very good times, we are in a crypto environment that allows us, being smart, to achieve good incomes. It is a matter of scheduling, organizing, and working as you say, INTELLIGENTLY.
Really children, school, college, will always be a big expense. It's something you always have to prepare well for.
Thank you very much for commenting.
True, life is indeed uncertain, so we should make the best of what we have now. Also, budgeting could help plan a lot though.