Many of my happiest moments in life have been at the park, for free, with friends and family.

You don’t need to be retired or a millionaire to be happy. Nor is being retired or a millionaire any guarantee of happiness.

Saving for retirement is just about making sure your needs are met when your health starts to decline and you may no longer be able to work. If you’ve got a little extra saved to travel around the world or whatever, even better. It’s important, but don’t wait until retirement to be happy. There’s no guarantee you’ll even live that long, for starters.