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Retirement planning doesn’t have to be complicated. A few key principles can help you build a secure and comfortable future: 1. Start Early, But It’s Never Too Late – The earlier you save, the more time your money has to grow. But if you're getting a late start, focus on maximizing contributions and cutting unnecessary expenses. 2. Live Below Your Means – The less you spend today, the more you can save for tomorrow. Avoid lifestyle inflation and unnecessary debt. 3. Diversify Your Investments – Don’t put all your eggs in one basket. A mix of stocks, bonds, and safer assets can balance growth and stability. 4. Plan for Inflation – Prices will rise over time, so make sure your retirement...