2/🧵You don’t have to wait till we age before we start making plans for our retirement; you can start it now. There is this popular saying, 'Early to bed, early to rise.' If we should make a proper plan for our retirement, we will really enjoy it and not suffer. There are people who have retired, but they are suffering; they can hardly feed themselves. That is why I said if you didn’t plan yourself before retiring from service, it will be very hard for you. Retirement should be joyful and not stressful.