Even if you've been saving your money since you started to work, that may not be enough to ensure an enjoyable and satisfying retirement. Of course having enough money put away is the number one factor as to whether or not you'll maintain your desired lifestyle once you stop working. But don't overlook the small day-to-day stuff. Do you have a plan for things to do in retirement? How will you spend your time as a retiree? Do you already know what you will do with all that free time?
You probably started thinking about your retirement savings a long time ago. Perhaps you should start thinking about how you plan on spending your time too. This is a very important aspect of your retirement planning. You won't enjoy your free time if you haven't given it any thought before you quit full time employment. Think about it now so you can begin dreaming real dreams, as well as planning for any related expenses.