text: chacha ji,aapko retirement planning ke liye kuchh tips denge, aapne kaise kar rakha hai?beta, khud ke liye hi kaam karna padta hai. hamare time mein toh aisa kuchh nahi tha, par aaj kal, bahut resources hain. aap online articles padh lo, advisors se baat karo, aapko sahi rasta mil jaayega.