If you are expecting some lifestyle changes

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).