September holidays for the schools are just over. Where did you go with your kids? What did you plan to make the holidays memorable for your kids. Well then again, the September school holidays are about studying for the upcoming exams and for those parents with kids taking the PSLE... its an intensive bootcamp to get them ready.
We probably have started planning for the December holidays. And for those lucky few without kids planning for the holidays will always happen outside the school holiday periods so its less crowded and cheaper!
With the onslaught of travel promotions, we are constantly tempted to go travelling! But being Singaporeans, we always have to plan for our trips. Even for a 3 days trip we want to be able to make the most of the days as much as possible. We may even take up to 3 months planning for a 3 days trip.
So how long should we be planning if we intend to take a 20 year holiday? What will you want to do if you have to take a 20 year holiday? What will your itinerary look like? How much money will you need for the 20 years holiday? But Tang who goes for a 20 years holiday??? Well everyone! Its called retirement.. like it or not, you will have to retire sooner or later. Now you can choose how your retirement looks like, or you can just live it up to fate.
But if you were planning your dream getaway, will you leave it up to fate? Will you not even do a small budgetting to ascertain how long you can not work yet still enjoy your holiday? Most of us know that if we take a short holiday our job will still be around when we get back. So if we happen to overspend during a holiday, no problem, just be good, stay in Singapore and the next few months pay will settle the extra budget. But if you hit retirement and you overspend.... that should not happen if you take the effort to speak to me now.
Many of us assume that retirement is long way off, we do not have to worry about it so soon. But if we took a week long holiday and we use one month to plan, then how long should a 20 years holiday take to plan?
Please emal me tngjinyau@gmail.com for a no obligations discussion on your retirement plan. I will be happy to assist.
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