Retirement Age - Take Responsibility for It!

I think that most people have a lot of control of what retirement age at which they retire and start experiencing the joy of not working.

All they have to do is take 100 percent responsibility for their lives — 98 percent or 99 percent is far too little!

Taking 100 responsibility means not counting on the government or anyone else for your retirement income.

This retirement quote applies:

No organization — government or otherwise — can take great care of you. Organizations aren't capable of this — only you are!"
— from Life's Secret Handbook

The key is to save 30 to 50 percent of your income when you make a good income instead of spending it on crap like most people do.

I didn't start saving for my retirement until I was in my early forties and I will be okay in retirement. The reason is that I saved 40 to 50 percent of my pretax income.

Here are the two major reasons a lot of British, Canadian, and American retirees don't have enough money for retirement:

1. Instant gratification takes too long.
2. A necessity is any luxury the neighbor happens to have.

Here are some funny retirement quotes and retirement sayings and teacher retirement quotes to keep in mind if you would like a retirement that is happy, wild, and free:

Denial is Not a Retirement Plan
— Sydney Lagier

People who are foolish with money are foolish in many other ways too.
— Dave Erhard

Beware of little expenses: a small leak will sink a great ship.
— Benjamin Franklin

Retirement Age? For Many, It'll Be 80
— Headline on Smart Money Website