When do we say one has fully prepared for retirement? For me i always say it is when one has fully made provisions for the basic (shelter, food, clothing’s and healthcare), secondary (investments/business, fun and other luxuries) and tertiary (healthcare and funeral preparations).

For most of us who earn from minimum wage to level 8, it may seams very difficult to save amidst the recurrent family and life expenditures, but please begin to cultivate the mentality of saving to invest, because as long as you live, needs and desires will come. What you need now is painful sacrifice to save and invest. For those who believe they earn well, remember! No condition is permanent; limit your comfort and scale down your aspiration. The money saved today will serve you tomorrow.