Retirement is when you leave work permanently, especially due to aging. Indeed, this phase is supposed to be for resting after long years of tireless hard work. Despite this, statistics indicate that only 43% of Americans can afford a comfortable retirement. The last thing you want is to struggle with life, especially with no stable income. Fortunately, you can avoid being part of the statistics by planning your retirement carefully. This process will require you to make important decisions to fully enjoy this phase of your life. Here are a few worth considering.  Image credit  The first decision is knowing when to retire. Certain signs indicate you’re ready for a…