You have spent decades building your savings. 𝐍𝐨𝐰 𝐜𝐨𝐦𝐞𝐬 𝐭𝐡𝐞 𝐡𝐚𝐫𝐝𝐞𝐫 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧: 𝐰𝐡𝐚𝐭 𝐥𝐢𝐟𝐞 𝐢𝐬 𝐢𝐭 𝐚𝐥𝐥 𝐦𝐞𝐚𝐧𝐭 𝐭𝐨 𝐬𝐮𝐩𝐩𝐨𝐫𝐭?

Retirement planning usually begins with pensions, investments and tax, all in service of a single question: 𝙝𝙖𝙫𝙚 𝙄 𝙜𝙤𝙩 𝙚𝙣𝙤𝙪𝙜𝙝? But a number alone cannot tell you what your retirement should look like, how confidently you can spend, or what will give your days meaning when the job no longer does.

𝙀𝙣𝙤𝙪𝙜𝙝 𝙛𝙤𝙧 𝙒𝙝𝙖𝙩? 𝐡𝐞𝐥𝐩𝐬 𝐲𝐨𝐮 𝐭𝐮𝐫𝐧 𝐲𝐨𝐮𝐫 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐢𝐧𝐭𝐨 𝐚 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐰𝐨𝐫𝐭𝐡 𝐥𝐢𝐯𝐢𝐧𝐠.

Drawing on his experience as a financial planner, Amyr Rocha Lima explores the questions that sit beneath the numbers. 𝘊𝘢𝘯 𝘺𝘰𝘶 𝘢𝘧𝘧𝘰𝘳𝘥 𝘵𝘰 𝘴𝘵𝘰𝘱, 𝘢𝘯𝘥 𝘸𝘩𝘢𝘵 𝘢𝘳𝘦 𝘺𝘰𝘶 𝘳𝘦𝘵𝘪𝘳𝘪𝘯𝘨 𝘵𝘰? 𝘏𝘰𝘸 𝘥𝘰 𝘺𝘰𝘶 𝘮𝘰𝘷𝘦 𝘧𝘳𝘰𝘮 𝘴𝘢𝘷𝘪𝘯𝘨 𝘵𝘰 𝘴𝘱𝘦𝘯𝘥𝘪𝘯𝘨 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘧𝘦𝘦𝘭𝘪𝘯𝘨 𝘪𝘳𝘳𝘦𝘴𝘱𝘰𝘯𝘴𝘪𝘣𝘭𝘦? 𝘏𝘰𝘸 𝘥𝘰 𝘺𝘰𝘶 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘺𝘰𝘶𝘳 𝘤𝘩𝘪𝘭𝘥𝘳𝘦𝘯 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘴𝘶𝘳𝘳𝘦𝘯𝘥𝘦𝘳𝘪𝘯𝘨 𝘺𝘰𝘶𝘳 𝘰𝘸𝘯 𝘪𝘯𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘤𝘦? 𝘈𝘯𝘥 𝘸𝘩𝘢𝘵 𝘩𝘢𝘱𝘱𝘦𝘯𝘴 𝘸𝘩𝘦𝘯 𝘩𝘦𝘢𝘭𝘵𝘩, 𝘳𝘦𝘭𝘢𝘵𝘪𝘰𝘯𝘴𝘩𝘪𝘱𝘴 𝘰𝘳 𝘧𝘢𝘮𝘪𝘭𝘺 𝘳𝘦𝘴𝘱𝘰𝘯𝘴𝘪𝘣𝘪𝘭𝘪𝘵𝘪𝘦𝘴 𝘳𝘦𝘸𝘳𝘪𝘵𝘦 𝘵𝘩𝘦 𝘱𝘭𝘢𝘯?

Through stories of retirements that flourished and a few that stalled, with a practical exercise closing every chapter, you will learn how to:

- Write your 𝐋𝐢𝐟𝐞 𝐏𝐥𝐚𝐧 before your financial plan;
- Find and rewrite the 𝐦𝐨𝐧𝐞𝐲 𝐬𝐭𝐨𝐫𝐢𝐞𝐬 driving your behaviour;
- Design an ordinary 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐰𝐞𝐞𝐤 with purpose and structure;
- Check the seven gauges of your 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐃𝐚𝐬𝐡𝐛𝐨𝐚𝐫𝐝: money, health, relationships, usefulness, growth, joy and contribution;
- Build a meaningful 𝐋𝐢𝐟𝐞 𝐋𝐢𝐬𝐭;
- Run your own 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐑𝐞𝐚𝐥𝐢𝐭𝐲 𝐂𝐡𝐞𝐜𝐤; and
- Connect your pensions, savings and investments to 𝐭𝐡𝐞 𝐥𝐢𝐟𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭.

You will find no fixation here on squeezing the last percentage point from an investment portfolio. This is a warm, practical guide for responsible savers approaching retirement, weighing up financial independence, or already settling into life after the final payslip.

𝐌𝐨𝐧𝐞𝐲, 𝐢𝐧 𝐭𝐡𝐞 𝐞𝐧𝐝, 𝐢𝐬 𝐚 𝐭𝐨𝐨𝐥: for protecting your freedom, supporting the people you love, and doing the things you promised yourself before "𝘰𝘯𝘦 𝘥𝘢𝘺" becomes too late.

𝐒𝐭𝐨𝐩 𝐚𝐬𝐤𝐢𝐧𝐠 𝐨𝐧𝐥𝐲 𝐰𝐡𝐞𝐭𝐡𝐞𝐫 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐞𝐧𝐨𝐮𝐠𝐡.

𝐒𝐭𝐚𝐫𝐭 𝐚𝐬𝐤𝐢𝐧𝐠: 𝙚𝙣𝙤𝙪𝙜𝙝 𝙛𝙤𝙧 𝙬𝙝𝙖𝙩?