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PATHWAY TO A PENSION: Follow My Rules of Engagement to A Lifetime Retirement Paycheck If you don't have a traditional pension and you don't want to outlive your money, PATHWAY TO A PENSION offers some practical guidance on how to create a lifetime paycheck. This is good news for those who think they will have to work until age 75 or longer to retire. Follow my Seven Rules of Engagement to create a more secure retirement plan: #1 Create a 50-20-30 budget plan. #2 Build a contingency fund. #3 Decide whether to pay off your mortgage early. #4 Start a 529 savings plan. #5 Save early, often, and regularly. #6 Understand opportunity costs. #7 Create multiple sources of income in retirement. Enjoy the benefits of your personal pension plan, achieving peace of mind and a fulfilling retirement. Make the most of your retirement assets by following PATHWAY TO A PENSION. We can rewrite your retirement story together, so you can enjoy a lifetime retirement paycheck.