Having a retirement free from money woes isn’t necessarily about being a billionaire, but rather planning smartly to have no worries about money when you actually retire. No wonder retirement signifies a new chapter in your life; a new beginning that brings new freedom and opportunities to enjoy the undiscovered parts of life. By staying focused on building a retirement plan and identifying ways to sticking to the plan, you can put yourself in a better position to have a retirement that allows you to achieve your goals.