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But of course many people are finding out that they haven't got anywhere near as much cash for all those things as they thought they would have. Living [link widoczny dla zalogowanych] for today might be a lot of fun, but it doesn't put into place all the plans that we need to have for our later years, and if we don't start thinking about [link widoczny dla zalogowanych] it now we might have a nasty shock waiting for us when we finally get there.

So where do you start? If you are still young and enjoying how your life is going it can feel very strange to sit down and start thinking about what you will do when you retire. After all, that could be decades away!

The truth is though that one day it will be here, and then it will be too late to start planning for the changes we will see in our lives. If we really want to live out the dream we have of doing exactly what we want and when we want to do it, then we must take steps now to make sure we will be able to afford all those [link widoczny dla zalogowanych] dreams we have.

Many people rely on their property to give them an income when they retire. By then the mortgage will have [link widoczny dla zalogowanych] been paid off and they assume they will sell the house and move into somewhere smaller. But while this might be a good plan for some it is necessary to put other plans into action as well if we want to get the best results that we can.

For example, think about getting a that pays [link widoczny dla zalogowanych] a high rate of interest. This will provide a safe way to start saving money for the future. You can also look into other savings vehicles that come with slightly more risk attached, such as endowment policies. Shares would be another long term option that can pay [link widoczny dla zalogowanych] dividends in the long run.

[link widoczny dla zalogowanych] The idea is to have a number of options set up to provide for you in the [link widoczny dla zalogowanych] long term. You should think about starting up a pension as well [link widoczny dla zalogowanych] if you don't already have one ; if you explore all the options you should find that you will end up [link widoczny dla zalogowanych] with several ways of saving up for your future.

Disclaimer: This article has been written for information and interest purposes only. The information contained within this article is the opinion of the author only, and should not be construed as advice or used to make financial decisions. Expert financial advice should always be sought and any links contained within this article are included for information purposes only.

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