We were watching our spending very closely so we managed to put aside some money for emergencies, a rainy day, and/or retirement. Building a retirement piggy bank (retirement fund) is the hardest when there are so many distractions – car needing repairs, house requiring fixing, need a new laptop or mobile phone, etc.

Whenever you bring up the topic of retirement, people will always tell you that you think too far ahead or that it is too early to plan. It is never too early to plan because the sooner you plan, the easier it is. When you have a plan, you will be in a better mindset for charting a life plan in your 20s, 30s, 40s, and so on

Retirement planning has always been in the back of our minds, and we finally got into gear-up mode this year. I’ve been thinking about retirement since I was in my late thirties.