Retirement might be decades away or just around the corner, but it’s never too early or too late to start thinking about your financial future. This article explores the key questions to consider, from the lifestyle you want and how much you may need, to where your retirement income could come from and how long your money may need to last.

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Retirement planning is important for all of us. But it’s not always an easy subject to think about.

If you’re in your 20s, retirement can seem so far away that there’s little point worrying about it. In your 40s, plenty of other things are probably competing for your attention. And if you’re approaching retirement, you might be wondering whether it’s too late to do anything useful.

The good news? It’s never too early or too late to start planning.