David Garnier of Nova Scotia - Make Retirement Planning a Priority

David Garnier of Nova Scotia has spent his life in the financial planning industry. He assists clients who have a wide range of long-term goals, but many of them are very concerned about their retirement. A significant percentage of individuals seek out advice from a retirement planning professional when they start to enter their middle-age years. It's better late than never, but this presents a problem for far too many people.

Retirement planning is something that should be looked upon as a priority from the moment that you get your first "real job." To be able to put your working years behind you someday, you are going to need a very significant nest egg. You are simply not going to be able to accumulate this amount of money in a few years.

In fairness, we should point out the fact that a late start is not always the product of pure irresponsibility. When you are a younger adult and you are just starting out, you may be living paycheck to paycheck for the most part. Then, as you start to do better, you may have higher and higher bills after you get married and start a family.

Though the circumstances may be challenging, if you decide early on that you are committed to a comfortable retirement, you should be able to put something aside each pay period. Many people who contend that they can't afford to save are surprised when they put their minds to it. If you tell yourself that ten percent of your net pay is not really yours until you retire, and you budget around this reality, your life probably won't change in any noticeable way. However, after thirty years of doing this, the amount of money that you have set aside will indeed be life-changing.

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