My Friends--You Can't Ignore This--A "Retirement Plan" Is the First Step

There are hundreds of new studies regarding retirement issues.  They are not small reports.  Many private companies, think tanks, research bureaus, and insurance companies have visited the retirement issues facing Americans.  In general the trend is the same in each--Most Americans have not, will not, or cannot, properly prepare for a comfortable retirement.  That leads to--"Why" not?

So, "Why not?"  Why do so many people delay thinking about and preparing for a sensible retirement, especially with a sound "retirement plan?"  It's not just a transition, from working one day, to "turning in the keys" and kissing the boss goodbye the next day.  Planning for retirement means preparing and following a road map, or a blueprint, or a guideline, or whatever you choose to call it. 

But, please just do "it"-call "it" anything you want-and follow the plan.  Maybe some parts of the plan are more intent on "how to enjoy the good life" or "how to spend the Golden years."  And that's okay, as long as the plan includes how to finance the enjoyable parts of the plan.

What is the status of "Guarding Your Gold"? 

"Guarding Your Gold" was written and published by Ronald J. Iverson of Helena, Montana.  Both the first and second editions are now out of print.  However, some of the key information from "Guarding Your Gold" is still available on the guardingyourgold.com web site.

The author, Iverson, has decades of experience in the insurance industry.  He wrote these books to provide an understanding of Long Term Care insurance and all the issues surrounding Long Term Care of the elderly. 

Okay, But Wait a Minute!  --  Retirement Article No. 1

FIRST, JUST DON’T GET TOO ANXIOUS!  Most people have forty to forty-five years to think about retirement, so what’s the hurry?  There is no need to complicate the next—make that—the last, thirty or forty years of your life, with a quick emotional decision.

The first baby boomer started collecting her Social Security October 15th of this year--2007.  The flood gates are now open and some pundits are predicting that the Social Security system will be overwhelmed and broke within 9 years.