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Chapter 22. Getting Help > Do You Need a Planner - Pg. 223

Getting Help 223 Why People Fail to Plan You know what you're supposed to be doing by now. You're supposed to be making retirement plans for the future. Most people don't. They tell us they can't. Sometimes they even whine. Below are some reasons why people fail to plan. Do you see yourself here? · I'll wait until tomorrow .The biggest stumbling block you will face is procrastination, your inability to get started, because you are always thinking you have a tomorrow to do it. · I don't know what I want .How many times have you said, I wish I had more money? But how can you get more money if you don't set goals? · It's someone else's responsibility .Whose responsibility is it? Your spouse's? Your employer's? The government's? · I don't have enough money .You may think you don't have enough to do the things you want to do now and put some of it in a retirement plan, but have you gone over the figures and checked it out? · I don't have enough time .If you think planning for retirement cuts too deeply into your leisure time, try to imagine what you will be able to afford to do once you retire and have all the leisure time in the world. · I'm planning on receiving a large inheritance .The best-laid plans can go awry. Did you find yourself in one of the preceding categories? It is so easy to procrastinate. Remember what your mother used to say about the road to hell being paved with good intentions? We're all guilty of it, for it does take work and effort to plan. But if you saw yourself in any of these, you might want to seek some help from a financial planner. A Certified Financial Planner can help you make decisions, set goals, and will act like a coach to help you strategize about what's best for you and your family.