Quick quiz: if you're 62 and hard up for cash, what should you not do? Answer: rob a bank. You think I'm kidding, jack? Some yahoo strolled into a bank in Columbus, Ohio and took 80 bucks from the teller, then turned himself in to the security guard by the door. The reason? He said age discrimination kept him jobless, and that after he did three years in the cooler, he would be old enough to collect Social Security.

Stupid plan? You betcha. But what's even stupider is not having a plan. This guy didn't prepare for retirement, so he decided to get behind the iron (bars) to get ready for his golden years. I tell ya; if you don't ask yourself 'How much do I need to retire', then you might as well be doing the same thing, baby. Dave Ramsey says it all the time ... having enough money to retire rich is up to you.
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