Retirement planning takes careful consideration and a strong commitment to adhering to your budget. If you don't save the funds needed for your retirement, they simply won't be there. Along with using the correct retirement tool, calculators, and working with certified and registered Financial and Investment Advisers, you also need to avoid making mistakes that can sabotage your savings and deter your retirement goals. Some areas to avoid include: · Wasteful and excessive spending · Too much debt · Refinancing and losing equity · Overspending on day to day bills

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