Do You Have Enough in the Piggy Bank?

Hey there, neighbors! Pull up a chair, and let’s have a heart-to-heart chat about something that’s been on many of our minds lately: retirement. Yep, that’s right—that golden phase of life where we trade in our work boots for flip flops and spend our days doing whatever floats our boat. But here’s the thing that’s been keeping me up at night: do we have enough in the piggy bank to make it happen?

Now, before you start panicking and frantically checking your bank statements, take a deep breath with me. We’re all in this boat together, navigating the sometimes choppy waters of financial planning. And guess what? It’s perfectly normal to have these concerns. In fact, I’d be worried if you weren’t at least a little bit curious about your retirement funds!

So, where do we begin? Well, first things first, let’s take stock of what we’ve got. How much have we squirreled away in our retirement accounts? Do we have any investments or assets that we can tap into when the time comes? And perhaps most importantly, what kind of lifestyle do we envision for ourselves once we bid adieu to the 9-to-5 grind?

I know, I know—these are big questions, and they can feel overwhelming at times. But trust me when I say that it’s better to tackle them head-on now rather than burying our heads in the sand and hoping for the best. After all, as the saying goes, failing to plan is planning to fail.

One tool that’s been particularly helpful for me in this journey is a retirement calculator. These nifty little gadgets take into account things like our current savings, expected Social Security benefits, and anticipated expenses in retirement to give us a rough estimate of whether we’re on track or if we need to course-correct. Spoiler alert: They’re a lot less intimidating than they sound!

Of course, no two retirement plans are exactly alike, and what works for one person might not work for another. That’s why it’s so important for us to have open and honest conversations about money—not just with ourselves but with our partners, friends, and even trusted financial advisors. There’s no shame in asking for help or seeking out expert guidance when we need it most.

Now, I’m not here to sugarcoat things and tell you that achieving a comfortable retirement is a walk in the park. It takes dedication, discipline, and, yes, maybe even a few sacrifices along the way. But I truly believe that with a little bit of planning and a whole lot of determination, we can make our retirement dreams a reality.

So, my dear neighbors, let’s make a pact right here and now to take control of our financial futures. Let’s start squirreling away a little extra cash each month, cutting back on unnecessary expenses, and exploring new ways to grow our wealth. And most importantly, let’s keep the lines of communication open and support each other every step of the way.

Because at the end of the day, retirement isn’t just about having enough money in the bank; it’s about living a life that’s rich in experiences, relationships, and memories. And if we stick together and stay focused on our goals, I have no doubt that we’ll be toasting to a bright and prosperous future in no time.

Until next time, my friends, here’s to health, happiness, and a retirement—that’s everything we’ve ever dreamed of and more! Cheers! 🥂

Contact Me if you have any questions


Please see disclosures here.


The Wealth of Advice is a financial blog that is focused on retirement and wealth information, with a little of everything else sprinkled in.

I manage portfolios for clients and myself at Old North State Wealth Management.

Disclosures can be found here.

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