Bangalore: It is the dream every one of us yearn for, which is fully achievable, provided you have the right focus. It requires a peruse decision involving various allied niceties before taking the plunge. The question you have to ask yourself is whether you have the resources to sustain a balanced life throughout the retirement years. Nevertheless, it can transform your life in flamboyant ways. The five ways in which retirement option can influence your life are: Let's Face The Reality In today's global economic crisis, the inflated prices are frightening us already. Retirement option is undoubtedly a costly affair. Banks and financial institutions hardly give loans and credits for a retired person. Even if offered, the interest rates will be more. The procedure is not the same for an employed person or someone who has many employment years. You will see many of your hard-earned cash diminishing over the years.