Tips to finding the right size for your Aloha Shirt - *The very essences of retirement is Freedom. *Consider what retirement would be like without money ...HMMMMM! *Consider planning for retirement as a full contact sport. *Think honestly about your personal planning; if you don't take a critical look, who will? *It's imperative to program in guarantees. *What is that biggest obstacle? Procrastination and Neglect. *This is your plan and it should accomplish your goals. *Is your future FREEDOM worth the struggle? We all have dreams about what our life will be like when we are able to stop working and enjoy all those plans we have made and harbored over a lifetime. Getting there will take some hard work, hard choices and responsibility for our own savings. Nothing worthwhile comes very easy.