Pause for a moment and think about why you work. Do you work to pay the bills? Or do you work so that you don’t have to work any longer when you’re older and ready to retire?

Most people spend more time planning vacation than they do planning their retirement.

Although you pay into the social security system, don’t count on the government to take care of you in your senior years (unless you’re a fan of cat food). Why leave your fate in someone else’s hands? Take control of your future. Create a plan to get you where you want to be in retirement.

Remember, a failure to plan is a plan for failure.