How often have we heard that failing to plan is planning to fail? Ben Stein from Yahoo Finance has these 3 main reminders to anyone thinking that they are doing very well in the “future tense”, and I think it will strike a chord with you too.

1) Your retirement is your biggest liability, are you prepared to face it?

2) Yes, it’s important to be optimistic, but sometimes, it’s even more important to plan for the worst

3) Seek advice from the experts. If you can’t cook, eat out!

Yahoo Finance on Three BIG Mistakes>

But when he did think about it, he engaged in what psychiatrists call “magical thinking”. He thought he would somehow one day just strike it so rich that money would fall from the sky. Thus, he didn’t save, didn’t make a retirement plan, and just hoped for the best.

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