On point @samstickkz, there is nothing like having a plan for retirement. I have known many Nigeians in the past who worked with the oil and gas sector, lived a good life on company's house and cars. They never thought retirement would come and they ended up retiring to much smaller and uncomfortable houses.

When youmfail to plan, it means that you just planned to fail.

Diversification in income and helping others grow is like sowing seeds on fertile grounds, they always bear good fruits. Nice post.