Do you hear yourself saying, "I have plenty of time to save" or "I can do it later…"? Well, that's the voice of procrastination, a persistent, relentless pest that can easily steal time and money from you. 

No matter how much you love your job, you will want to retire someday.  To counter your future dependence on Social Security payments, you have probably (hopefully) already begun contributing to an employer-sponsored retirement plan or some other retirement investment option with a certain percentage of your pre- or after-tax dollars.

When I started working full time, I had lots of priorities: student loans, rent, food and, of course, entertainment. Retirement savings didn’t even make the list. Then I got a job where my employer contributed fifty cents for every dollar I put into the company’s retirement plan.

Jet skiing, sky diving, snorkeling… Most people would agree that these are not activities typically associated with retirement.

Ever raced against a friend when you were younger or even in gym class… just waiting for someone to say “Go!” so you can take off? Well here it is…“Go!”

Behavioral economists — yes, they exist — talk about the tendency of humans to procrastinate. And yes, they apply that to retirement plans. Individuals often put off signing up for them and, even when they do sign up, put off increasing their contributions over time.

How often do you hear the words “retire” and “sexy” in the same breath? This is rare, if ever, because most of us associate retirement with old people and sex appeal — and sometimes fun and excitement in general — with young people.

To many this question is only the name of a popular television game show, but for others it is a retirement goal. If it’s your goal, I’ll bet you’ve wondered just how to get there.

Your retirement plan is a nest egg for your future, a way to avoid becoming a burden on your family in your old age, and a strategy to reduce your tax bill.

But should it also be an easy source for a loan?

If you're up on your reality tv shows, then you probably know that DWTS is short for "Dancing with the Stars," the reality show that showcases primarily used-to-be and would-be celebrities vying for the #1 dance spot.