Most people think retirement is far away—until it isn't. In India, though, ignoring retirement planning can be a ticking time bomb. With longer lives, fewer support systems, rising costs, and not-so-great government aid, it’s not just wise to plan—it’s absolutely essential. Let’s Start with a Simple Thought I often ask people, “What’s your plan for the 25–30 years you’ll live without a monthly salary?” They usually blink and say, “Umm… PF toh hai.” Honestly? That’s not going to cut it anymore. Let’s unpack why retirement planning is a non-negotiable priority in today’s India. 🧓 1. Lifespans Are Getting Longer—But Not Cheaper Here’s a quiet revolution: People now live well into their 80s. That’s nearly 20–25 years post-retirement . Sounds like good news, right? Well, yes—but also no. Because unless your money lives as long as you do, you’re in trouble. And that’s where I see many people go wrong—they assume “I’ll manage somehow.” But managing 25 years without a pa...