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Do you sometimes wonder where the years have gone?  My thirty's is like a blur. Oh yeah, I remember I had my daughter when I was 35 years old, but what happened before and after that in my thirties. By the time you get use to writing the latest year down, we are already heading into the next one. Time moves swiftly and quickly. And when you look around, you are older, hopefully wiser, and wondering how much time do I have left to reach my goals. .

I meet women every day who dream of retiring one day, but many have never actually implemented a plan of action to make it happen. Retirement doesn’t just happen with a hope and prayer, it takes time, preparation, and planning. Regardless of how old you are, one day you will want to stop working or at least work part-time. Do you have a plan to make it happen? Do you or your spouse have a pension? Have you set aside money in your 401K or IRA’s? Do you still have 20 or 30 years left on your mortgage?

In this economy or any other, you cannot put the responsibility of your retirement on a company, spouse, or government. Nothing is promised forever, therefore, regardless of your situation or circumstance, it is your responsibility to look out for you. Whether you are married or single, you have to take the responsibility to make sure your future is secure financially. It may mean putting money in a different account for your retirement.  

My sister who has two sets of twins, and had always been a stay at home mom decided she wanted to save since her husband is not a saver. What did she do?  She got a part-time job in the evenings, stocking shelves, and saved $50,000 in just three years to go towards their retirement. They are only in their early forties – still relatively young.

What about you, what are your financial goals for retirement? Are you working towards meeting them? If not, what do you plan to do?

Sharman Lawson a columnist on Fabulously40, and a financial coach, speaker, and author of the book 12 Steps to Eliminate Debt Forever! Visit her website: [Link Removed]

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