Creating a great retirement plan generally does NOT mean deciding which child you want to move in with!

• Pothole #9 - Work may be a part of retirement. Often retirees are employed, and the three major reasons are:
  • 1. Necessity
  • 2. Choice
  • 3. Boredom
• Pothole #10 - You might have to move in with your kids. Three major reasons retirees move in with their children are:
  • 1. Economic necessity
  • 2. Declining heath
  • 3. Loss of a spouse