Retirement planning can be complicated, as anyone retired or approaching the end of their working life will testify. The main issue with using savings to create an income stream for an indefinite period of time is that often, once you have made a decision, it is irreversible. This can mean changing your plans mid-retirement to the detriment of lifestyle and happiness. Retirement should be the easy part of life, hence why we save and invest so much to fund it, and there are simple ways to make sure your decisions are the right ones from the start.
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