Planning for retirement can be quite challenging and daunting. You have to factor in elements such as your salary, debts, expenses as well as life expectancy, which by the way is higher than it used to be and find a way to achieve your retirement goals.

Timing, opportunity and moderation are also key elements of a well-crafted retirement plan, but that’s not all. You should also avoid making certain mistakes that can deter you from having a pleasant and comfortable life in your golden years. Read on to find out what these are and what you can do to make things right!