Planning for retirement is not easy. It requires a crystal ball and a magic wand. There is no way to guarantee that the money set aside for tomorrow will be enough for tomorrow, but there are a few things that can help you feel a little more secure about the future of your finances.

1. Plan for taxes. It will be a great world if there are no taxes in the future, but I’m not holding my breath. You need to plan for about ¼ of all that you set aside for your future going to the government.

2. Dump the debt. The less you have to spend then the more likely you are to be able to live off your interest (from investments) and leave the principle in tact.

3. Keep working. Find something that you love to do and get someone to pay you for it. It’s not work if you are having fun and the extra money you make could be enough to keep you living the life you dreamed of all through your retirement days.

There is no guarantee for the future. Making a plan that will keep your finances simple and flowing is the best way to prepare for whatever tomorrow might have in store for you.