Stick to your plans and goals—and you’ll be on the path to achieving your dreams. And some-day, you’ll be ready to enjoy a sound and secure retirement.

For those who are IN RETIREMENT, remember these guidelines:

• The simplest choices are almost always the best ones.
• In retirement (actually, before retirement), you have to figure out how to make your existing money last for the rest of your life.
• It’s never too late
• Spend only what you have! (Same rule as Day One).
• Continue to track your net worth, your spending plan (budget), and monitor your portfolio on a regular basis.