Last year my dad had informed me he will be getting married in Tacloban the place his wife grew up in the Philippines . My dad said he would like all of his family members to attend since they couldn't go to the one in the United States. Carmina booked her flight during Philippine Airlines ’ year-end sale at the start of 2026. I told my dad about my travel plans for a short trip from Friday, April 17 to Sunday, April 19. My cousins also asked for my flight details so they could book the same flight. My dad said he will book my room for me sharing with two family members at Summit Hotel in Tacloban . Sending me the confirmation booking information for my reference. As the months went by, before I knew it, the big day had finally arrived—a rare event that doesn’t happen too often. Everything had been carefully planned by my dad and his wife, Tita Cielo. When we arrived, the check-in time was 2 PM, but there was a mix-up with the rooms. Some were ready for check-in, but the one...
Time to think of retirement that will come in handy as we
aged and we have a family of our own we want to think ahead how well we can
support ourselves when the time comes. When you have reached 65 years old when
your work has replace you with someone much younger than you.
How will you cope paying off your debts that has over piled
as you keep paying your expenses?
You still have children in school and you need to save up
for the future, but the life in America is not easy as we have a difficult
surviving pay our daily expenses.
There are people who move further away from the city where
they say, the living expenses are more inexpensive and be able to save up for
the future of their children and their retirement.
There are some people who are not willing to move themselves
they feel comfortable in what they have already adapted themselves.
All I can say it is up to you what you want to change your
life.
People say I am lucky because I have already thought too far
ahead of them and they are still figuring out how they can survive in this
world we live in.
It really takes time to sit down and analyze what you want
in life and how well you will stick yourself in that goal of yours.
No one need to know what your goals and dreams are just you
alone will know it if that is what you want for yourself.
You can only rely upon yourself to make that dream come
true.
Even if you tell someone there will also be someone to stop
you from doing it. It is better you will know what you want for yourself so no
one will put you down or judge you in what you do in your life.
How to plan out your retirement through your employer?
- Start a savings account you will not touch and it is use for your retirement
- Find out how much you need for your retirement
- Ask your work about retirement plans and how much to contribute for your savings at your employer
- Ask about your employer’s pension plan
- Think of something you can invest and earn money from it
- Find out how much your social security benefits when you retire
How to Prepare Your Own Retirement?
- List down the expenses you still need to pay off from your credit card, house loan and etc.
- Downsize your home
- Get away from debts
- Work more hours
- Think of relocating to some where less expensive to live and transfer your family
- Put more money on your 401 K
It is never too early or late to start planning your
retirement for your future.
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