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 Avoid retirement disaster and ensure you’re financially prepared to leave your 9-to-5. Monkey Business Images / Shutterstock.com

Editor’s Note: This story originally appeared on The Penny Hoarder. Being mentally ready for retirement is different from being financially prepared. If you don’t have a solid grasp of your budget and a sound financial plan in place, retirement can be a disappointing experience. Imagine surviving on instant noodles and scraping by in your golden years — it doesn’t sound like fun.

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