1. You’ve calculated your retirement budget
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Stop! You don’t get to retire unless your budget says you can. That means calculating how much income you expect to have in retirement, how much you’ll spend and how long your investments will last. You can play with online retirement calculators to get a picture of different scenarios, but we don’t recommend you rely on them for a final answer. It makes more sense to bring in a professional financial planner who can help crunch the numbers and let you know if you will be able to live comfortably without a job.
For tips, check out: “How to Choose the Perfect Financial Adviser.”