Although I'm roughly 40 years away from the legal retirement age in my country (it will probably be much higher 40 years from now), it's important to prepare early. While we're all having fun on this platform, it needs to be said that we are dealing with very serious stuff, especially because many people are not prepared for retirement. Last year, Voya Investment Management wrote that close to 40% of surveyed participants were "not at all" or "not well" prepared for retirement. Only 16% were "very prepared."