Have you ever asked someone what they have been doing and got this reply: "Just killing time.'
When you are thinking about retirement, do you think more about the task than about your time? Do you ever wonder if the task is worth the time investment. What if you aren't the one doing it? Would there be someone else who could do it just as well, and for whom the task would be time better spent?
Time is like gold, and good "spending habits" are essential. It's just that in this case the units are minutes, not dollars.
If you don't know where you time goes--that's a danger signal. Maybe you have just been "killing time." If you can save small bits of time and consolidate them into a chunk of time that can be spent on something worthwhile--that's like "found money."
If you can number your minutes and hours, "numbering your days" will be easier.
At bedtime have you ever thought about something you wanted to do tomorrow? Maybe it was a problem you wanted to solve. Many times you try to solve tomorrow's problems instead of sleeping for much needed rest. The fact is that you can't solve the problem until you have "hands on" time the next day, or later. You may be "just killing time."
Often times, people spend a great deal of time in retirement planning. Maybe they have the talent and expertise to develop a plan to reach their retirement goals. Often their field of experience and expertise is totally unrelated to financial planning. If that is the case, it would be best to get the most value for your time...don't kill it.
Find a professional in retirement planning and rely on him for the knowledge and experience to develop a plan that will achieve your retirement goals. Place the monkey on his back and spend your time on what you love to do......golfing, hunting, woodworking, etc.
A successful plan is one that has a goal of you retiring and remaining retired.