Walking and running are the simplest of exercises which are available for free to keep you active and healthy. But if you look around, you may easily find some people who are not able to even walk properly in their later years as they age, forget about running.

Sadly, it holds true when it comes to retirement income as well.

Most of the retirement studies suggest that most people will not be able to maintain their standard of living after they retire from work at around age 60 years, forget about early retirement.