Two Women. Same Job. Same 45 Years. But Two Very Different Retirements… Meet Aunt Grace and Aunt Rose. Both are 65. Both started working at age 20. Both served faithfully in civil service for 45 years. And both are retiring this month. But here’s where it gets interesting… Aunt Grace is walking away with K2,000,000 in pension. Aunt Rose is leaving with only K1,300,000. Sounds like Grace is better off, right? Not quite. While Grace always said, “I’ll invest once I retire,” Rose thought differently. 10 years ago, Rose began investing small portions of her income in government bonds, stocks, and a SACCO. Even with a lower salary, she made smart moves. Today, while Grace is wondering what to do next, Rose’s investments have matured. She has: A diversified portfolio paying her monthly income. Rental property from reinvested bond interest. Zero debt and a clear plan. Aunt Rose may be retiring with less cash, but she’s retiring with more freedom. Grace has money. Rose has a financial system. Lesson? In Zambia, NAPSA and your pension are just part of the picture. They won’t be enough on their own. Start investing early. Retirement should be lived, not survived. It’s not about how much you retire with, it’s how well you retire on. Please take retirement seriously. Don't be filled with envy and jealousy after seeing your friends well off while you seek hand out in retirement all because they planned while working and you didn't. Join the our RetireWise community and get organised before it's too late and you become like aunt Grace. Contact 977964002