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Can you afford to retire? - money mania
By Marisa Wright
I'm beginning to feel browbeaten with gloom and doom articles, questioning whether any of us can afford to retire. If I took it all to heart, I'd be eating bread and water in order to save up enough for retirement. I've suspected for a while that part of this is just scare tactics - a plan by governments to keep us in work longer, to make up for the lack of skilled workers coming into the workforce (which, by the way, is the fault of the big companies - for the last fifteen years, not one of the companies I've worked for has been willing to invest one red cent in training and developing their own employees!). That may sound far-fetched, but consider history - I was reading only the other day, that the whole concept of retirement was virtually unknown until governments introduced it in the 1920's and 30's, as a way of getting older people to move on and make jobs available for young people. And "early retirement" was encouraged by governments and corporations a couple of decades ago, when downsizing and rightsizing were all the go and they wanted to shed workers. The whole thing came into perspective today, when my better half went to see a financial planner and discovered that he already has enough in his super fund to pay a decent pension. And he's an average salary earner with an average balance, so there must be a lot of people in the same position. So what's all the panic about? It confirms my feeling that we need to keep a sense of proportion when we're preparing for retirement. |
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