Most of us would like to lead a full and vibrant lifestyle even when we retire. However, our retired years could be pretty costly if we hope to fulfil our long-awaited dreams of travelling around the world, taking up hobbies, enjoying an active social and sporting life, as well as being able to treat our family and loved ones. To add to this, our retirement years could last 30 or 40 years so it is important to start saving for this time of life as early as possible. Whether you expect to retire soon or have some years to go, planning ahead is crucial as money needs time to grow.