Something you should buy if you have a disability Only for old people A fixed-rate annuity is A contract with a life insurance company designed to provide for a regular stream of payments at a later date Too complicated for me to worry about Considered to be a risky investment The key to early retirement is Having a retirement goal Having a job with a good retirement plan Winning the lottery SCORING: Give yourself 3 points for every “A” answer; 2 points for every “B” answer; 1 point for every “C” answer. 36 points: Kiss work goodbye?

We’d tell you to pack suntan lotion for when you leave, but then, you’ve probably already planned that, too. 25 to 35 or more points: So near, yet so far. While you may have a good understanding of what a retirement plan needs to include, it’s time to put your ideas into action. Check out IHateFinancialPlanning.com for some easy to understand, non-intimidating ways to fill the gaps of your plan. 16 to 24 points: Minimum effort may not get you where you want to go. Your plans could still use some fleshing out. You may want to consider talking with a professional to help solidify your dreams.

Early retirement, or any kind of retirement, might not be in your future. Get thee to a financial professional! If the mere thought of it makes you queasy, at least do this: mark your calendar for Feb. 3-10. That’s the official celebration of I Hate Financial Planning Awareness Week, a week dedicated to helping people who hate financial planning learn how to deal with money matters and how to manage and invest money. You’ll find more information and ways to cope at IHateFinancialPlanning.com.

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