You have spent decades building your savings. Now comes the harder question: what life is it all meant to support?
Retirement planning usually begins with pensions, investments and tax, all in service of a single question: have I got enough? But a number alone cannot tell you what your retirement should look like, how confidently you can spend, or what will give your days meaning when the job no longer does.
Enough for What? helps you turn your savings into a retirement worth living.
Drawing on his experience as a financial planner, Amyr Rocha Lima explores the questions that sit beneath the numbers. Can you afford to stop, and what are you retiring to? How do you move from saving to spending without feeling irresponsible? How do you support your children without surrendering your own independence? And what happens when health, relationships or family responsibilities rewrite the plan?
Through stories of retirements that flourished and a few that stalled, with a practical exercise closing every chapter, you will learn how to:
• Write your Life Plan before your financial plan;
• Find and rewrite the money stories driving your behaviour;
• Design an ordinary retirement week with purpose and structure;
• Check the seven gauges of your Retirement Dashboard: money, health, relationships, usefulness, growth, joy and contribution;
• Build a meaningful Life List;
• Run your own Financial Reality Check; and
• Connect your pensions, savings and investments to the life you want.
You will find no fixation here on squeezing the last percentage point from an investment portfolio. This is a warm, practical guide for responsible savers approaching retirement, weighing up financial independence, or already settling into life after the final payslip.
Money, in the end, is a tool: for protecting your freedom, supporting the people you love, and doing the things you promised yourself before "one day" becomes too late.
Stop asking only whether you have enough.
Start asking: enough for what?
