If you’re like me, your mind will shut down at about step 3 because it’s stressful to think about being old and not having enough money. Even just the thought of digging through  financial records to get the info is stressful, BUT it’s imperative to see your numbers if you’re serious about retirement planning, or even retirement guessing.

Yes, there’s time and pain involved if you start retirement planning now. If you wait, you’ll still have pain, but no time.