4. If you are expecting some lifestyle changes in the coming years:
- make an estimate of lifestyle costs in, say, 3 years, taking into account inflation, investment returns, and sources of cashflow
- make allowances for cashflow reductions through periods of change, if this change is related to work or business
- research your options to fund your retirement, with consideration of associated tax implications, if this change is related to retirement
communicate to your team the impending change, and employ further team members if appropriate (see the Building your team module).