retirement planningPlanning to retire at 60 or 65 and live on savings and investments built up over your working life is majorly flawed.

Members of The Rat Race usually work on average forty hours per week, five days per week, forty eight weeks per year.  If they started work at eighteen and then finished at sixty five, that’s forty seven years of good life, good health and precious time WASTED away!

There are two scenarios which members of The Rat Race (who work for someone else) usually follow:

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