Every human being on earth understands that the older he or she gets, the more his or her work performance decreases over time.
Also, it is every man's and woman's dream to retire and live a peaceful and lively life after spending their whole life committed to their jobs or businesses. You can never achieve a retirement the way you want it if you do not start saving and planning.
Retirement planning is a simple equation:
Time + Monthly Contribution + Compounded Interest.
You must plan to save a small amount of money for a long period of time and use compounded interest to achieve a very satisfactory retirement fund that can be used to serve the goals that you aspired to have all our life.