Have you ever hear about a pension, a retirement plan, investments, or social security? It's all pension program for retirement planning. People save money while working for their retirement through a registered retirement savings such as a 401k in the USA, or an RRSP in Canada. Each year every month while working you set aside some money so that by the time you retire you have enough money to look after yourself for the rest of your life. This retirement saving program gives you benefit, first you'll be "forced" to save your money. We all know that it so difficult to save money against spend money. The second, you'll get saving interest. It will be added amount of money.
There are also many government pension programs that you pay into while you're working (mandatory), but when you retire they do not provide enough money to live off of - at least not if you want to live comfortably above the poverty line.
If you walk into any bank they'd be happy to sit with you and talk about planning for retirement and give you more information. Start retirement planning program from now and enjoy the life with no money problem.

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