Many of my clients start serious retirement planning around the age of 57, with plans to work about 10 years beyond that age. But will you control the choice? Will you be forced to retire earlier than you have planned? Did either you or your partner fall ill and have to leave the work force? These are topics we worry about, maybe even talk about, but generally do not plan for. Beefing up your skills at your job and maybe even your muscles can help in these two examples, but you have to take a good hard look at your income and expenses to be able to overcome the choice of when to quit work being made for you.

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