As I research my own retirement package, I run into many coworkers who do not seem to even be thinking of retirement. I have roughly 28 years to go but I like to plan ahead. I was curious, what age did/will you retire at? Would you have done it sooner/later if you could have? My max age is 57 but I believe depending on what life has in store for me I'll shoot for 55.

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Good for you! I didn't plan ahead the way I should have and I don't think I'll be retiring now until at least 65. A lot of people don't have the financial education they need to make the best choices in their 20s. Keep spreading the word about how important it is!

IMO it is important to gather information specific to you and you situation early and digest it. Understand the universe of the possible and make time your friend and not your enemy.

Wow good for you for doing your research. Most people don't do their research. I'm not at retirement age yet or not even close to it but I like your thinking. I'm thinking around 55 too, it sounds like a good age. You have me thinking that I guess maybe I should start looking into this as I have roughly only 12 years left if I want to retire at 55. I will have enough years behind me at that age.

I plan to retire at 55, as that is the maximum age I am able to retire at. If I could have, I would have retired earlier, but my current financial situation doesn't allow it. I like to plan ahead, so I'm researching retirement packages and talking to coworkers who are already retired to get a better idea of what to expect.

Good to do your research. Make time your friend and not your enemy. Focus on maximizing your tax deferred retirement accounts and get all matching funds. When those are maxed move on to maximizing your IRA and learn to do the “back door” Roth contribution. Then find your kids’ 529s for college. Do as many of these things as you can, as soon as you can. Get them automatically deducted from your paycheck so you never miss it but it always happens. Even as a LEO civil servant you can do this. By the time you are eligible you will have all you will ever need…because you made time your friend.

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