Where will you be in 2048? Before you read this article, take a moment to calculate how old you would be 30 years from now. I’m guessing you would either be retired or very close to retiring. That period when you are no longer in active service and your regular monthly income has probably ceased or reduced significantly. What will your life look like then? Retirement seems far but just like any future event, it usually comes sooner than we think and time is long gone before we can get anything done. What am I driving at? It doesn’t matter whether you are 25 or 50; the best retirements are the ones you make a conscious effort to plan for. Planning your retirement should not be limited to your SSNIT contributions or your Provident Fund at work. The financial obligations ahead are usually far daunting than those resources can afford. In this article, we will discuss two most possible financial obligations you may have to deal with when you retire. Making a deliberate provision for these obligations is a step in the perfect direction towards a happier retirement. Accommodation: If your current accommodation is rented or provided temporarily by family or by your office, then you need to have an accommodation plan. Accommodation doesn’t get any cheaper and having to deal with rent during retirement might be tough on your pocket. The key is to start early. Buy a land, start building, buy a house or mortgage one. You can start by switching your salary account to Fidelity Bank for mortgage financing. Health Costs: Most of us enjoy health insurance from our employers, which sometimes extend to other members of the family. What happens when you are retired and no longer being catered for by your employers? Knowing that old age comes with increased health costs, you need to make provision. A Hospital Insurance Plan could help you. Talk to Fidelity Bank and discover your options. It is a good time to allow your mind to wander into the future and imagine what your retirement will look like. Accommodation and health costs are necessities; and if you have to struggle with these costs when you retire, then you cannot begin to possibly imagine a retired life in which you have the luxury to go on vacations and spend time doing the things you love - you will be too busy working beyond age 60 just to make ends meet. Planning your retirement cannot be overemphasized. Let's get planning!