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Section 1





                               Introduction





        There are a lot of things that are easy to put off in life, but few
        rival the reasons to procrastinate when it comes to planning for

        retirement. The reasons are endless, but a few common excuses
        are:


           ►   “I’m not going to retire for a long time, so there’s no big
              hurry.”

           ►   “I’m already retired, so I’ll just have to do the best I can

              with what I have.”

           ►   “I can’t control how my investments perform, so what’s

              the point?”

           ►   “I’ll just work longer if I have to.”

           ►   “Getting all of that information together is a big job. I’ll

              do it later.”

           ►   “I’m not going to worry about what happens 20 or 30
              years from now.”


           ►   “I probably won’t live that long anyway.”







                               Chapter 6: Your Action Plan
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