Yourself retired? If you are within two years of retirement, I would like you to try this exercise – live on your retirement budget for 6 months. Many people think that their expenses will decline in retirement but my 30 yrs. in business has shown that not to be true. Look at what your retirement cash flow would be and then look at your expenses with a fine toothed comb. Don’t just look at what you are averaging each month in expenses, we all have those semi-annual and annual bills that must be paid too. Try to think of that unexpected trip you may have to make and don’t forget inflation. 20+ years in retirement inflation can really eat into a budget.

So give it a test run, make your adjustments, and retire with ease.

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