Starting early is always advisable, but nevertheless, if you haven’t, it’s never too late! As the average life expectancy continues to increase, life post-employment is a crucial period and needs rather serious planning. While there is no regular source of income, expenses continue to exist (if not increase), post retirement. Moreover, gone are those days when one would depend on his/her child/children for financial assistance. Citing these reasons, it is essential that you have a retirement plan in place and build a fund corpus to ensure that you continue to live the way you do now, even after employment.