 Eventually, the calendar catches up with all of us, and you are staring down the barrel of your long-sought-after golden years. It will be here much faster than you thought, and how you prepared in advance will determine which retirement you will enjoy. Will it be the one that just happens by chance, or will it truly be the one you diligently planned for by choice? What will your retirement salary be when you no longer have a steady paycheck from your career?