This document outlines 10 steps for a carefree retirement: 1) Save regularly, 2) Start saving early, 3) Avoid withdrawing retirement savings when changing jobs, 4) Get financial advice, 5) Understand your retirement savings, 6) Plan retirement finances, 7) Consider post-retirement plans, 8) Account for inflation, 9) Delay retirement if possible, and 10) Resist spending a lump sum retirement payment.

1. 10 steps to a carefree retirement

2. 1 Save regularly for retirement

3. 2 Start as early as possible

4. 3 Avoid taking money out of retirement
savings when you change jobs

5. 4 Get advice

6. 5 Know what you have

7. 6 Fit retirement into your financial
planning

8. 7 Think about what you want to do
after retiring

9. 8 Take inflation into account when
doing your calculations

10. 9 Negotiate to delay retirement for as
long as possible

11. 10 Don’t be tempted to spend your
lump sum when you retire

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