6) Decide How Much You Should Work
Most people will have either limited money or give up some retirement goals if they are not financially set for life. Some people may decide to even stay in the workforce to help pay for retirement dreams. Go back to your list you made in step one and consider how much work is needed to make each goal on your list come true. Weigh the pros and cons of working. Think of things such as family, friends, etc. It is important to work, but do not throw away your current life for retirement. Find the balance between life and work. You can always pick up a couple more hours here or there when the time is needed/right. The faster you are at being comfortable with knowing how much you will have to work, the more secure you will be in your planning.