If you are in your twenties or thirties, this discussion probably has less relevance for you.  But you can still gain some insights on what to do and not do for retirement planning.  Those in their late forties or fifties will find some sound advice here.
It is Never Too Late.  Throwing up your hands in [...]

While some would grit their teeth and say “that’s not good” you might be surprised at this next bit of advice:  Do it, but not too much.
 
People who live by a strict budget and do not allow for the small, occasional indulgences are generally viewed as boring, predictable and miserly.  You should at least reward [...]

Free money for retirement.  Sounds too good to be true, right?  The reality is that it is out there, but some people are not taking advantage of it.  It is like looking at a $20 bill on the sidewalk, but not picking it up.  Who would do that?
We are speaking, of course, about the matching [...]

This is more of a rhetorical question that anything, but one that we should address because if we confront why we are not doing something that we know we should be doing, it might help us change our behavior.
Brain Matter.  One of the problems is that our mindset is dysfunctional.  What we mean by that [...]