The Desire to Retire

In: Business and Management

Submitted By econ301
Words 1514
Pages 7
Barry Cameron
UIN # 00728497
FIN 317 Mon 4:20

SUCESSFUL RETIREMENT PLANNING
THE DESIRE TO RETIRE Everybody looks forward to the day that they no longer have to fight traffic or deal with an unappreciative boss. A time when one can focus on more meaningful things in one’s life. Spending more time with family, traveling, hobbies, volunteer work, becoming more active in the community or church; or “do nothing” as forty percent of Americans plan to do upon retiring from the work force. Without the promise of retirement, many would find it very difficult to get out of bed and head to work each morning. “Retirement is a fairly recent phenomenon. At the beginning of the nineteenth century, few people retired, because they simply could not afford to do so. As white – collar jobs replaced a predominantly agricultural economy incomes rose and people had more money with which to retire” (Cullinane and Fitzgerald, 3). People began living longer and found that they had more leisure activities from which to choose from. In the United States, the invention of social security and company pensions greatly contributed to the ability of Americans to retire from the work force.

RETIREMENT PLANNING Retirement Planning is an attempt to figure out how much money you need to save each month in order to have a comfortable retirement. It is an attempt because retirement planning requires you to try to predict the future. Nobody really knows what kind of return their investments will return over the next 20 or 30 or 40 years. What will happen with inflation? Will Social Security still exist when you retire? It is impossible to predict any of these things with total certainty. However, it is possible to look at the past and make some educated guesses. That is the goal of retirement planning. You make a basic and fundamental assumption that the…...

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