Plan, prepare for your retirement early

1. Build a home earlier. Be it rural home or urban home. Building a house at 50 years is not an achievement.
   Don’t get used to government houses. This comfort is dangerous. Let all your family have a good time in your house that you have built.
2. Go home. Don’t stick at work all the years . You are not the pillar of your department,If you drop dead today, you will be replaced immediately and operations will continue. Make your family a priority.
3. Don’t chase after promotion. Master your skills and be excellent at what you do. If they want to promote you, that’s fine if they don’t, stay positive to your personal.
   development.
4. Avoid office or work gossip. Avoid things that tarnish your name or reputation. Don’t join the bandwagon that backbites your bosses and colleagues.
   Stay away from negative gatherings that have only people as their agenda.
5. Don’t ever compete with your bosses. You will burn your fingers. Don’t compete with your colleagues, you will fry your brain.
6. Ensure you have a side business.
   Your salary will not sustain your needs in the long run.
7. Save some money. Let it be deducted automatically from your payslip.
8. Borrow a loan to invest in a business or to change a situation not to buy luxuries . Buy luxuries from your profit.
9. Keep your life,marriage and family private.
   Let them stay away from your work. This is very important.
10. Be loyal to yourself and believe in your work. Hanging around your boss will alienate you from your colleagues and your boss may dump you when he/she leaves.
11. Retire early. The best way to plan for your exit was when you received the employment letter. The other best time is today. By 40 years to 50 years be out.
12. Join work welfare and be an active member always.
    It will help you a lot when any eventuality occurs.

13.
Take leave days utilize them by developing your future home or projects..usually what you do during your leave days is a reflection of how you’ll live after retirement..If it means you spend it all holding a remote control watching series on Zee world, expect nothing different after retirement.

14. 
    Start a project whilst you still serving or working.
    Let your project run whilst at work and if it doesn’t do well, start another one till it’s running viably.
    When your project is running viably then retire to manage your business.

Most people or pensioners fail in life because they retire to start a project instead of retiring to run a project.

15. 
    Pension money is not for starting a project or buying a stand or building a house but it’s money for your upkeep or to maintain yourself in good health.

Pension money is not for paying school fees or marrying a young wife but to look after yourself.

16. Always remember, when you retire, don’t be a case study for living a miserable life after retirement but be a role model for colleagues to think of retiring early too.
17. Don’t retire just because you are finished,old or you are now a burden to the company and just waiting for your day to die.
    Retire young ,whilst you are still energetic to enjoy waking up for a cup of coffee, enjoy the sun, receive money from your business, visit nice places that you missed and spend good time with family.

Those who retire late, spend about 95% of their time at work and 5% with their family and that’s why they see it difficult to spend time with their family when they retire. There end up looking for another job until they die.
If they don’t get another job, they will die earlier because of stress related illnesses .

18. Retire at your house than at government accommodation so that when you retire you can easily fit into the society that raised you.
    It’s not easy to adjust to live in a location after spending more years at a company house or at government house.
19. Never let your employment benefits make you forget about your retirement. Employment benefits are just meant to make you relax, get finished whilst time is moving.
    Remember when you retire noone will call you boss if you don’t have a viable business.
20. Don’t hate to retire because one day you will retire either voluntarily or involuntarily.

Hope this will help you look at life positively and plan accordingly.
Things have really changed and unless you plan, expect trouble and serious trouble when you eventually retire.

Let me know if this was of any value to you.  
 
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Luke Moyana
Founder/CEO Business Wealth Network.
CEO Zimbard Business Advisory Services.
Professional Executive | Business Coach.

| MBA Degree Milan Italy |
| MBA Degree Catholic University ZW |
Multi Award Winning Business Coach.
ICMF Business Coach of the Year 2022.

Nothing will change until YOU do something to change it.