Retirement isn’t an age—it’s a financial condition. And yet, many high earners are walking blindly into a trap: they’ll stop working… but also stop earning.
The biggest risk? Outliving your money!
Imagine retiring at 60 and living to 90 without enough passive income. That’s 30 years of financial struggle if you don’t plan well.
That’s why in my 7-Step Wealth Masterplan Guide, I teach what I call The Golden Nest: a bulletproof plan for a wealthy and stress-free retirement.
The Solution for Retiring Comfortably
Here’s the game plan, according to the Golden Nest:
- Optimize Your Job Pension Contribution – Don’t leave money on the table.
- Open an Individual Pension Plan (IPP) – Choose a fund with consistently strong returns.
- Consolidate Your Scattered Pension Funds – Fragmented pots won’t help you retire rich.
Bring them together and put them to work.
Then, calculate your Financial Freedom Number: How much monthly passive income do you need to replace your salary?
From there, work backward to figure out how much to invest monthly to hit that target using compound interest.
The earlier you start, the less painful it is. The later you start, the more intentional you must be.
But either way, you must start. You don’t retire with a salary. You retire with a portfolio.
Think of your investments as your employees. Each shilling is working to replace your active income so you can finally pursue your purpose without financial pressure.
This is how you retire comfortably and with dignity.
