Retirement Fitness

Sam Warburton OBE was not only a titan of Welsh rugby but an icon of the game. Having represented his country as a player and team captain at all junior levels, he propelled himself to international attention in 2011 when named as the youngest ever captain of Wales for the Rugby World Cup. Despite his tender age, Sam's immense displays for club and country were recognised still further in April 2013, when, at just 24, he was named the Lions' captain for the extraordinary 2013 tour to Australia.

Start saving, keep saving, and stick to your goals. If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started. Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow. Make saving for retirement a priority. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.

Fewer than half of Americans nearing retirement age are confident their savings are on the proper course. But if you take the steps highlighted in this book, you will be well prepared for a stress-free retirement. These steps are so simple anyone can do them, even if you feel you are disorganised, and no matter how much your current take home pay is.

Perhaps you’ve never thought of “buying” your retirement. Yet, that is exactly what you do when you put money into a retirement nest egg. You are paying today for the cost of your retirement tomorrow. The cost of those future years is getting more expensive for most Americans for two reasons.