Work, earn, accumulate, and retire - this is the trajectory of everyone’s life. The problem in America is that we’re so focused on spending that we don’t often plan for the future.  We get used to a certain type of lifestyle without seriously considering our immediate financial options to maintain that lifestyle after we retire. This is a basic but critical piece of information many Americans don’t have.  Without that basic information, it’s impossible to know our goals for the future, and if we’re positioned to achieve them. What are the 4 pillars of a solid financial plan, and the area many people focus on when it’s too late? How do we make sure everything we accumulate and build contributes to our long-term retirement plans? In today’s episode, I go back to the fundamentals of planning for our future, and what we need to be paying attention to right now.