LOOKING FORWARD TO ALL OF THAT. SO NOW THAT THE WEATHER IS NICE HERE AT HOME, I KNOW MANY OF YOU ARE STARTING TO THINK ABOUT RETIREMENT AND WHETHER YOUR RETIREMENT IS NEAR OR FEELS LIKE FOREVER AWAY. IT바카라 게임 웹사이트�S NEVER TOO EARLY TO PLAN FOR IT SO THAT YOU HAVE, OF COURSE, WHAT YOU NEED TO MAKE IT OFFICIAL AND TO ACTUALLY ENJOY IT. SO HERE TO HELP US ANSWER ALL OF THOSE QUESTIONS ONCE AGAIN, MEGAN HAMMOND, THE DIRECTOR OF FINANCIAL PLANNING AT WEALTH QUEST. THANKS FOR BEING HERE AGAIN. THANK YOU FOR HAVING ME. ALL RIGHT, SO WE ALWAYS GAIN A WEALTH OF KNOWLEDGE FROM YOU, MEGAN. SO WHAT SHOULD PEOPLE CONSIDER WHEN THEY바카라 게임 웹사이트�RE THINKING ABOUT RETIREMENT? WHATEVER AGE? YEAH. SO I THINK THE CONVERSATION ITSELF SPARKS AN EQUAL AMOUNT OF EXCITEMENT AND FEAR. FEAR OF THE UNKNOWN. AND SO FOR PEOPLE WHO ARE STARTING TO THINK ABOUT THIS AND ARE STARTING TO THINK MORE SERIOUSLY ABOUT RETIREMENT, I WOULD BREAK THE DECISION DOWN INTO THREE BUCKETS OR MAYBE THREE STOOL OR THREE LEGS OF A STOOL. FIRST IS, ARE YOU FINANCIALLY PREPARED FOR RETIREMENT? THIS ONE바카라 게임 웹사이트�S GOING TO BE THE MOST STRAIGHTFORWARD. SO DO YOU HAVE THE FUNDS FROM RETIREMENT UNTIL WE바카라 게임 웹사이트�RE NO LONGER HERE TO LIVE THE LIFE THAT YOU WANT TO LIVE. THE SECOND BUCKET IS ARE YOU EMOTIONALLY AND PSYCHOLOGICALLY PREPARED FOR RETIREMENT? THIS ONE바카라 게임 웹사이트�S GOING TO BE A LITTLE BIT HARDER FOR US BECAUSE, ONE, WE DON바카라 게임 웹사이트�T TALK ABOUT IT ENOUGH. AND TWO, FOR A LOT OF US, WE FIND PURPOSE, PURPOSE AND VALUE AND IDENTITY IN OUR WORK AND IN OUR WORK RELATIONSHIPS. AND SO WE REALLY NEED TO THINK ABOUT WHAT THAT TRANSITION LOOKS LIKE AND HOW ARE WE GOING TO FIND THAT PURPOSE AND FULFILLMENT AFTER WE바카라 게임 웹사이트�RE OUT OF THE WORKFORCE? THE THIRD ONE IS ARE OUR FAMILY MEMBERS PSYCHOLOGICALLY PREPARED FOR OUR RETIREMENT? AND PEOPLE LAUGH A LOT ABOUT THIS, BUT THESE TYPES OF DECISIONS, THEY CHANGE DYNAMICS AND THEY CHANGE ROUTINES. AND THOSE ARE TWO REALLY BIG THINGS. SO IT바카라 게임 웹사이트�S REALLY IMPORTANT THAT YOU INCLUDE YOUR FAMILY MEMBERS, PARTICULARLY YOUR SPOUSE, IN THIS DECISION. SO THE TRANSITION IS AS SMOOTH AS POSSIBLE. YEAH. SO THAT YOUR SPOUSE CAN BRACE THEMSELVES. YEAH. EXACTLY THAT MUCH. WELL LET바카라 게임 웹사이트�S GO BACK TO THE FINANCIAL THING BECAUSE THAT바카라 게임 웹사이트�S REALLY OF COURSE, WHAT WE바카라 게임 웹사이트�RE FOCUSING ON. WHAT ARE SOME OF THE THINGS THAT PEOPLE CAN DO TO MAKE IT EASIER TO MAKE SURE THEY바카라 게임 웹사이트�RE READY FINANCIALLY FOR THE LONG HAUL? I THINK WE NEED TO START THE CONVERSATION SOONER. SO A LOT OF TIMES YOU SEE PEOPLE COMING IN SIX MONTHS OR 12 MONTHS BEFORE THEY WANT TO RETIRE. I WOULD ENCOURAGE PEOPLE TO LOOK FIVE YEARS OR MORE BEFORE THEY ACTUALLY WANT TO RETIRE FOR A COUPLE OF REASONS, ESPECIALLY WHEN WE TALK ABOUT THAT EMOTIONAL AND PSYCHOLOGICAL CARROLL PREPAREDNESS, RIGHT. THAT바카라 게임 웹사이트�S GOING TO IMPACT THE FINANCIAL PIECE. SO WHAT OUR FINANCIAL PLAN LOOKS LIKE, WHETHER WE WANT A GARDEN OR DO PROJECTS AROUND THE HOUSE OR WE WANT TO TRAVEL, ALL THAT CHANGES THE NUMBERS AND SO BEING ABLE TO REALLY UNDERSTAND WHAT WE WANT TO DO WITH OUR LIFE AND HOW WE바카라 게임 웹사이트�RE GOING TO FULFILL THAT AND BE REALLY EXCITED ABOUT THE NEXT PHASE. BUT IT바카라 게임 웹사이트�S ALSO IMPORTANT TO THINK THAT IT바카라 게임 웹사이트�S NOT JUST ONE VACATION AND IT바카라 게임 웹사이트�S NOT JUST ONE PROJECT. WE ARE FILLING 40 TO 50 HOURS A WEEK FOR POTENTIALLY DECADES. AND SO IT바카라 게임 웹사이트�S NOT SOMETHING THAT WE SHOULD RUSH INTO. WE REALLY NEED TO TAKE THE TIME AND GIVE OURSELVES THE OPPORTUNITY TO EXPLORE WHAT바카라 게임 웹사이트�S GOING TO GIVE US THAT PURPOSE AND FULFILLMENT. YEAH. AND WHAT바카라 게임 웹사이트�S THE WHERE바카라 게임 웹사이트�S THE BEST PLACE THAT PEOPLE CAN FIND HELP. GREAT QUESTION. WEALTH QUEST RIGHT. AND IT OFTEN FEELS LIKE THIS ISN바카라 게임 웹사이트�T SOMETHING THAT YOU CAN TALK TO YOUR FINANCIAL ADVISOR ABOUT BECAUSE I바카라 게임 웹사이트�M SUPPOSED TO TALK TO THEM ABOUT JUST THE NUMBERS OR WHAT MY MARKET RETURNS ARE, AND THAT IS SO FAR FROM THE TRUTH. THE SECRET IS THE MORE INFORMATION THAT WE HAVE ABOUT THESE TYPES OF THINGS, YOUR HOPES AND YOUR DREAMS, YOUR BUCKET LIST ITEMS, YOUR FEARS, THE BETTER RECOMMENDATIONS AND ADVICE WE CAN GIVE. I WOULD ALSO SAY, THOUGH, FRIENDS AND FAMILY ARE AN AMAZING RESOURCE, THEY KNOW YOU BETTER THAN ANYBODY AND THEY바카라 게임 웹사이트�RE GOING TO BE ABLE TO GIVE YOU SOME UNIQUE PERSPECTIVES INTO WHAT THIS LOOKS LIKE FOR YOU. MAYBE THINGS THAT YOU DON바카라 게임 웹사이트�T SEE FOR YOURSELF, ESPECIALLY IF THEY바카라 게임 웹사이트�VE ALREADY GONE DOWN THAT ROAD. YEAH. AND THEY바카라 게임 웹사이트�RE IN RETIREMENT AND THEY CAN SAY, ALL RIGHT, HERE ARE SOME THINGS TO, YOU KNOW, CAUTION YOU ABOUT. EXACTLY RIGHT. MEGAN HAMMOND WITH WEALTH QUEST. THANKS, AS ALWAYS, FOR BEING HERE WITH US. NOW, IF YOU MISS ANY OF THESE TIPS, WE바카라 게임 웹사이트�LL HAVE THEM ONLINE@바카라게임.COM. MEGAN, THANKS AS ALWAYS FOR BEING HERE. YOU MAKE IT SEEM SO SIMPLE. ALWAYS.