Think about the day, when you will retire. As the day approaches, do you plan for your dreams, lots of thing you have to perform as in these days you are so busy in earnings. The retirement brings the day in which you move slowly, play golf, slow down the pace of life, and enjoy while sitting through out the day. In retirement you have not only off your Sunday and Saturday, but you get whole week off. I know it is hard to make a slow routine, after passing whole your life in busy and fast life. You have to ask some questions before taking any insurance plan, what are you contribution limits, first is about your health insurance policy, is it enough for our rest life, can social security or any other retirement plans can give us the same standard living. 

Before a year ago, I retried from my job, but I am enjoying my retirement life, as I already properly managed it. I make a plan for my retirement life when I was started the job. From that day I am saving 15% of my income through IRA retirement plans. My company also provides me the facility of individual 401k retirement plan, and I selected it. These retirement plans enables me to save my income with out paying any tax on SEP IRA account and its earnings. I just only pay tax once when I withdraw money. At the end I got enough money, I have two ways either sit on chair and enjoy my saving or invest it in bossiness. I preferred to open a small business, and now I am running a bookshop with self-employed and earning hundreds of dollars every day. This will not only make me busy but also afford my golf expense. So what you are thinking, make your plan today, and enjoy the retirement plan. Best of luck