Retirement - The majority of us would like to retire rich – that’s an obvious statement. However, if you want to retire rich, you need to start saving and investing early. A "Baby Boomer," one of those human beings born in the period after World War II and until the early 1960s, seem, in their latter years, (to) give a lot of thought during the last few years about how much longer they will work and what they will do after they retire.

With the likelihood that we will retire with all our faculties intact and fully functioning and with a good number of years in front of us, we now need to take a little more time to plan our retirement years to make sure we get the absolute most out of them. One of the most talk about topic when we mention retirement is the investment that we have made so that we can retire comfortably. With retirement calculators, you can easily foresee the probable amount that you will earn by the time you retire.

Be realistic about how much you should be contributing towards your retirement plans – based on your age now, the age at which you hope to retire, and the lifestyle you hope to achieve in retirement. In the book Risk-Free Retirement: The Complete Canadian Planning Guide, the authors predict that at age 65, 1% of people will be wealthy, 4% of people will have an adequate income to retire on, 36% will be dead, and 59% will be dead broke. This is the secret to being able to retire: you absolutely must know how much INCOME you want coming in to support your lifestyle.

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If you want to retire on a budget, you probably will have to downsize the house you currently live in. After having paid on one for seemingly countless years, everyone knows that living without a mortgage is a blissful thought! Whether or not you are planning to retire soon, you should pay off your mortgage as soon as you can. If you are planning on, or in the future, decide to relocate in a secure retirement community having no mortage to worry about will make that transition a lot easier.

And, as you plan your retirement, if you are adventurous, you might consider retiring in a country like Australia, New Zealand, Costa Rica, Peru, Cancun, Mexico, Belize, Hawaii or one of the Caribbean islands. If you prefer the colder climates don't overlook the outbacks of Alaska. Even though, traditionally, some of these places evoke the necessity of one having 'deep pockets' they all have the advantage of living as the 'locals' do, and for someone on a retirement budget, it can mean living quite comfortably!

Wherever you choose to retire, it will indeed be an exciting new beginning in your life. Enjoy it to the fullest!