Nairobi, Feb. 20 -- Question: Help me evaluate retirement aspirations, considering factors such as lifestyle expectations, healthcare costs, and the role of pensions in achieving a realistic and sustainable retirement.

What quality of life do you want to live in retirement? This is the question that should be at the heart of all your financial decisions in the present day. Why? Because your actions now will impact your life in the near term, the medium term and the long term, your financial welfare does tend to impact the rest of the areas in your life.

Picture the life you would want for yourself when you hang your boots. Probably, you would want to be as far away from the hustle and bustle of the capital as possible. And maybe, at the...