"PROBLEMS vs FACTS"

​What happens on the road between "planning to retire" and arriving at the destination of  actually "retiring?"
Planning for retirement requires "taking that first step."  Focus on taking that first step and follow the momentum it provides to begin your journey to retirement.  Two things can be expected in following your plan:  PROBLEMS AND FACTS.
What is the difference between problems and facts?  PROBLEMS are things we can do something about.
FACTS are things we can do nothing about:  Therefore we do well not to worry about them.
We apply energy only to things we can change.  We can feel peace and act with courage, because we no longer beat our heads against an unbreakable wall.
Hopefully, there is motivation when you begin the journey.  Motivation is absolutely necessary.  But "motivation without organization = frustration."  
I have found that in most cases the strongest plan is the simplest one.  This is a plan that establishes clean lines for the goal and the ground rules to travel the road to success.  It is important to devote sufficient time to "inspect" the vehicle where retirement funds are accumulated rather than concentrating on what you "expect" from the investment.  After all, would you buy a car without inspecting it?  By continuously inspecting where funds are placed, is a great aid in preventing disappointment in the expected outcome at the time of retirement.  Most people don't have the time nor expertise to continue to inspect your investment in the future.  If this is the case, find someone who is worthy of your trust that can perform that important function for you.  The important part of planning for retirement is making sure that you can stay retired.
The end results of your retirement plan will actually recognize and reward you for your efforts.  This means that you can feel like that recognition and reward says, "a job well done."
The following are examples of the needs for retirement planning:

• A compelling purpose:  A great commitment to a great cause.
• A clear perspective:  Don't let fear cloud the view of the future.
• A courageous persistence:  Move ahead despite the odds.