Spoke on having different income streams - by having more than one pension, other investments - such as buying shares, other compound interest investments, investment property for rental income etc.

Having plans in place on what to do with oneself post retirement- such as running a passion business, lecturing at a local university, travel, mentoring, etc.

Where you are going live - whether moving out of your current home into a smaller one, or moving to the village/ farm- considering many factors such as access to Drs, hospitals, shops - general quality of life.

Medical Aid being priority, touched on this too.

Plans for your care when reaching an age where you are not able to do that for yourself- Old age home options, hire a nurse/ carer living with you, moving in with your children- these are important conversation to have with your family.

If you do not have a pension fund that you are contributing to because employer does not have or you are self employed - you can open one for yourself.

The sooner you have the plans above locked down- the better. These are plans that one has to sit down, think and draw up their ideal retirement plan for themselves. It does not have to always be moving to the village or farm like the norm in our country. It can be aligned to who you are.