The journey to retirement be- gins with a series of questions. You ask them of yourself. You say to yourself, ― where do I want to end up at retirement? Do I want to retire early ? What depending on how early you start addressing them . It is the asking, with a continuous watch on revising the answers that sets right process in motion. A plan something to try for it is not set in stone . What is impor- tant, are the habits that will bring the fruition of whatever plan you settle on. Start early. The spectrum of retirement is changing drastically. There is a general trend people are staying active in some type of profes- sional activity or in some volun- tary work . People are living longer , more actively and that means they are going to need. more than they anticipate today. In addition , there is the impact that inflation will have on how much is required.