A happy and prosperous old days become a dream of everyone. Instead of prepare your old days, a happy and great one, for yourself and the entire family, you probably should more productive by now. Before that time arrives, here are simple steps to outline the old days.

1. Retirement Needs

What do you exactly need for your retirement? A home in countryside? Doing farming? A home in big city with large yard for gardening? Or a home on the beach? Do you want to keep your current lifestyle for later or there is a change? A lifestyle which does not fit your money one make you miserably get into debt. Therefore, know what you need in the old days and adjust your current income with your lifestyle.

2. Pay All of Debt

If you have debt, make sure to pay right after payday. While paying your debt, you can also focus on planning a retirement savings suit your rest of money. Simple trick is separate all needs, daily needs, retirement and urgent. Do not use your retirement saving to pay unexpected needs. It must be done consistently, every single month, as long as you work or have income. If you cannot do that simple thing, how could you be enjoy a prosperous old days?

3. Investment

You probably know investment help guarantee a better old days. However, you still choose perfect one suit your ability. You should know type of investments and its risks. For example, investments in gold, mutual funds, deposits or rented house. You can also choose retirement program offered by some banks with auto debit system (automatic payment from your account to retirement saving) based on your ability to pay.