Long before retirement people tend to live up to a certain standard, It is usually easier depending on how their earnings support. However as years pass by, needs arises which need expansions, family expand, child health care, Vacations and so do the expense rate. Income increases as well; thus, depleted savings can be replaced. Events such as Occasions, wedding, and vacations which takes off large chunks from the financial savings are limited to certain period of the year due to work engagement.

During retirement however, there is no more 9-5 to kill time, no business meeting, early morning flights, weekend duties to reach the needs of clients. Etc and probably no huge salary at the end of the month..

But there are still lots of energy and time! There is an additional five days ex weekend, virtually all the time in the world, to do more of what you did less while employed, thus creating avenue to be more engaged in activities that requires spending.

People usually tend to increase their standard of living as they advance in employment and, having enjoyed that for quite a number of years; it is believed that retirement should even be better.

This is usually not the case especially for some one who has not made adequate financial plans for retirement. This is because retirement benefits may not the high enough to match late employment lifestyle. The net effect on both investment and retirement savings during this period is therefore depletion.

Further diminishing retirement savings and benefits is the cost of healthcare. As people get older, the chances of spending more in healthcare are almost certain.
Unexpectedly, some ailments developed require constant management, more frequent hospital visits, medical tourism etc.

My objective to workers that are not yet retired is to make a financial savings on a particular project that will not consume more tja. 10% of their monthly income. So that when you get retired you can have a business, that will keep you busy and add you more funds to maintain your health.

I recommend you take a look at some good growing online businesses, like social media marketing, building a site, selling digital goods, etc these are definitely the only job you can do at home with ease, And make good profits.

If you need help on this contact me here.