If we want to retire soon, we need to plan to ensure that our future is truly golden. A
meaningful, fulfilling retirement requires three basic ingredients: adequate financial
reserves, good health, and emotional adjustment. Our financial well-being will depend
on our financial reserves, pension benefits including pension scheme, and lifestyle
needs. We can determine our financial well-being by inventorying our current reserves; developing a post-retirement budget that allows for the estimated impact of future
inflation; and assessing our ability to make the necessary additions to savings to meet our needs.

Our physical well-being will depend on hereditary factors, where we live, how well We
have maintained our health, and their commitment to their future health. Eating and exercise habits and substance abuse can be assessed and their impact on their future well-being determined. Longevity is determined by heredity, lifestyle, and environment. Clearly, people can make a difference. Their emotional well-being will depend on how well people make the transition from work to other activities. This includes developing a new personal identity apart from their career, leaving colleagues behind, making new friends, developing positive relationships with family members, and getting involved in activities that maintain and enhance their self-esteem.