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When it comes to planning for your retirement, financial planners are starting to advocate a goal-setting approach, which involves frank conversations with yourself at every age. But, this requires an understanding of what you’re passionate about and what is important to you. When you approach your retirement plan from that perspective, you can form an idea of what you want your life to look like, in the short- and long term, and this can help you to set goals that will get you to where you want to be.

Here Ryno Oosthuizen from Glacier by Sanlam and Andre Wentzel from Sanlam Personal Finance, share the savings conversations that they would have with themselves at every age and life stage:

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