When the time comes around for retirement, it is important that you are well prepared for what is about to happen. This part of your life should be the glory years, the years that you can enjoy all that you have worked for throughout your life and the opportunity to have lots of free time to spend with family and enjoy yourself. Unfortunately for many, through lack of planning, they are left speeding their later years with money worries and too much time at their disposal without anything to do, this often leads to years that they cannot enjoy when…