How can you avoid some of the obstacles of retirement? First of all, have a plan.
There are obstacles and pitfalls that you can and should avoid, no matter when you start or how long you have until you retire. Of course, the earlier the better. If you haven’t started saving yet, today is the first day of the rest of your life so get started NOW!
Secondly, once you have a plan, you must work that plan. Be diligent, sacrifice a little and be patient. You might win the lottery, however, the odds are against that. The obstacle of wishful thinking can derail your retirement plans and keep you working much longer than you want to.