Voluntary saving is the key to a worry-free retirement. In fact, this item should already appear in your table of monthly expenses, because according to the National Commission of the Retirement Savings System.

Why voluntary savings?

But, why voluntary savings? Are employer contributions and savings deducted from your payroll not enough? Not really and here are some of the reasons:

• Life expectancy for these generations increased. It is estimated that young people who are currently between 25 and 35 years old, and who retire at age 65 in good health, will live an average of 20 more years.

• Another reason is the changes in the world of work, where there are more and more independent or fee workers, so employer savings cease to exist and you depend solely on what you voluntarily enter into your Afore.

• Most of the new generations are giving up having children, which will represent a lack of an economic support network in old age.

How to work in the dream retirement?

So get to work, do not think that because you are in your twenties or thirties it is crazy to save for your old age, in this retirement it is never too early to start. Here are six tips to get you started on that dream retirement.

1. Control your investments

The money you invest in your twenties or thirties can be put into instruments with higher risk, since in case of loss you have enough time to recover. On the contrary, when you are five or 10 years away from retirement, it is better to choose investments with predictable returns, such as fixed term , which will help you keep your savings safe.

2. Plan for inflation

Inflation and rising prices can eat into the purchasing power of your retirement funds. When planning your savings, do it in financial instruments that give you a return , how much? At least the equivalent of inflation, so you will be guaranteeing that your money will be worth the same in the future.

3. Talk to your partner about retirement

Just as couples discuss buying a new car or a house, it's always a good habit to discuss financial matters in retirement.

The recommendation is that it not be a common fund, because in the event of a separation it could generate disputes. Save each for their own retirement plans.

4. Invest in your physical health

Given the high costs of health care, staying healthy today is key to staying fit in retirement. Medical expenses could really throw your finances out of balance.

5. Create a budget and stick to it

The best way to plan is to know how much you will need to live on in your old age. Unfortunately, most people don't figure this out and arrive at retirement without enough savings. Approach your parents or grandparents and observe their lifestyle, their expenses. Do an exercise of how you would like to live your retirement and put together a budget. Once again, considering inflation, calculate how much you should save to live at least 20 years with the style you imagine today.

6. Pay your mortgage and other debts

Your home is more than a shelter, it is also a significant expense. By paying off your mortgage, you can finally tap into the wealth of your home by living there rent-free, eliminating a significant monthly expense.

Using credit to build wealth is a great strategy, but you