All too often retirement will creep up on us. We may end up, because of circumstances beyond our control, retiring before we are quite ready. This happens much more often than you might think.
With this in mind, you need to make decisions and preparations well in advance. You would probably be better off if you could plan on an early retirement. It would be a good idea if you are finding that you are a little lax on saving for retirement that you should think about accelerating your savings program. I believe that you should have most of the money you want to use in retirement well... From: What to Expect From Your Retirement? It May Not Be What You Planned: Part 1
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