Is typically made more complicated than it really is.
Investment advisers, financial planners, friends, relatives, newspapers, bloggers, etc...
We look around, we see someone else doing something else, someone else made more money via this investment, someone else did this, someone else did that...
And yet... when we really look at it...
Let's say... today you want to go to see the doctor.
You wake up, wash up, determine the time you need to leave, you get out of the house, get in your car, or Grab, or bus, or MRT, whatever.
Then you reach there and do whatever you want to do.
Not everyone is going to the doctor's today.
Those who are going to see the doctor will likely be seeing the doc for a different issue.
Not everyone will leave the homes at the same time. Some live closer, some live further. So they start out at different times.
Some are bringing their kids to see the doc, some might bring their partner or parents, etc.
Some will take car, or walk, or Grab, etc...
And most likely, you wouldn't care who else is going to the doc today. You wouldn't care how they got to the doc. You wouldn't care what time they left home, etc...
You'd probably just go see the doc, and do your thing, then just go home. The end.
And that's what/how the retirement journey is supposed to be.
We all start at different points in our lives. Some are born luckier, some have higher earning jobs, some want to retire earlier, some later, some want low risk returns, others want higher risk for more returns.
Some have kids to take care of, some have elderly parents, etc.
And most of the time, it's none of our business, and also it's none of their business how we each want to plan our retirement journey.
Most of the time, when we do our daily things, our daily journey, no one cares how, why we do what we do.
And yet, when it comes to retirement or financial planning, it seems so complicated. So many different kinds of experts, so many different opinions on what's the right way.
When we talk to friends and family, so many more comments about how this works, how this doesn't work, etc etc...
It's really not that hard...
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