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## Retirement Calculations – Forget It, You Are Going to Be Poor

What do you think your retirement years will look like? Will he be happy and content or vice versa with debts etc. ? As they say, plan and save for the future. There is no point in relying on the government or just assuming that everything will be fine. By then my friend, it will be too late. Rather than regretting it later, you better learn how to invest now by doing some retirement math.

**How do you plan for your retirement? **

Well, the answer is relatively simple because all of this requires some simple high school math. You need to find the average amount you spend each month plus the amount of savings you currently put aside (if any). Calculate this on an annual basis. This will give you a pretty good idea of your current financial situation.

The next retirement calculations you need to make are to look ahead. How much money do you think you will need to survive each year after you retire? Once you get that number, you can calculate how much you need to start saving each year from today in order to contribute to your retirement fund.

**Do you need professional help?**

The answer to this question is relatively simple because it depends on who you are. If you are sure to handle the situation on your own, you can do it because who else can be a better custodian for your money than yourself? You could take advice from experts in the field, but ultimately your retirement calculations will work best.

The most important thing is that you have to learn and develop your education. Gaining investment knowledge from various sources will always help you choose the best plan you can use to invest your money. There is software available online that will help you with these retirement calculations and once you are ready, choosing the right investment option is a breeze.

So the question is, if you want to be poor, then yes, “forget it,” but if you want to retire in luxury, you need to start building your investment skills. What better time to start than today.

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