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Rick spent a lifetime working various jobs.  He always looked forward to a comfortable retirement.  As the years clicked by like minutes clicking off a digital clock; Rick awoke and realized that he had only a few years left until he turned 65.  There was one major problem...he hadn't made any contributions toward his retirement.  He talked to a financial advisor and learned that his only options were to live off Social Security and any funds he might possibly save over the next four to five years.  The painful knot he experienced in the pit of his stomach was the realization that he had had one chance to prepare for retirement and had blown it.  He was sick!  He was disappointed in himself.  However, he did have five years left and he planned to sock as much money away as possible.  He came to the realization that retirement is a lot like a checking account.  If he planned on withdrawing funds from his bank, he must first deposit money into his bank account.

Are you preparing for retirement by setting aside a a significant amount of money every month?  Your retirement can be an experience you enjoy or an experience that will bring financial hardship.  Make plans and adjust your monthly budget to be able to make significant contributions to your future.