In a world of uncertainty, one thing is certain: when you retire, your income will change. Even if the expected change is small, it’s good to plan for it. The last thing anyone needs is a surprise.
The thought of creating a budget makes me groan audibly. Could anything be more dull? Well, maybe the old paint drying thing is more dull but I avoid that, too.
Here are a few things to help get through this drudgery:
Help from the US government:
A nice worksheet to help you sort things out:
A few tips from the Dummies series: