About the ArticleHow many of you have woke up one day and came to the realization that forty or more years of your life has passed by? How fast that time has flown by? How soon the next twenty or more years will fly by? And what will you being doing when age 65 or even possible early retirement finally arrives? What will you want to be doing? If you’re considering retirement, then most importantly, will you be able to afford it?We are a middle class couple who woke up on such a day. We discussed a plan for our future, followed through—and succeeded. If you’re like us and want to Enjoy Life on a Soft Cushion, the advice we offer to you will be a map to provide confidence towards your golden years. Because, isn’t that what we all want? Golden Years?