Financial Security

So, you've become fairly accustomed to a certain standard of living? You enjoy opera, badminton, fine dining and trips to Paris? Well, OK, the badminton shouldn't be too much of a problem, but as for the other hedonistic pursuits, you want to be able to keep them up once the salary has stopped rolling in - which means you're going to need more than just the pension. But this isn't quite as easy as it sounds. Sure, you're earning a good wage now, but there's the mortgage repayments (not to mention the yacht - maybe that wasn't such a good idea), the grandchildren's birthdays (how can a two year old child demand so much extravagance?), the general upkeep on the Porche Boxster (no, it's got nothing to do with a "mid-life crisis," I just happen to like cars), and you can't seem to save any money. Enter the, "I'm never going to have enough money to retire, I'll be working for the rest of my life" phase. Don't worry, you're not alone. It's not as bad as all that, it just requires a bit of researching and planning.