When you're young, you never really think about preparing for the time when you have to retire. What is important is the present, the everyday concerns which, admittedly, are already too much to handle for the ordinary Pinoy.
Most of the time, the realization that we have to prepare for retirement planning comes a bit late in the day. Only when the time comes that we have to retire do we realize that we have no financial programs such as retirement funds, investments, insurance to back us up in our old age.
I believe we really to educate the young people about personal finance so that when retirement comes, they can live a good life. I did not have such education and it is only now, when I am nearing my retirement, that I am trying to make the necessary preparations. But it's better late than never. I hope when I retire, I would be able to live a comfortable life, be financially free and enjoy the fruits of my labor.
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