Some people have the mindset that you should live for today and forget about tomorrow. This way of thinking not only delays your retirement date, it probably also means changing the way you live. Today I explain expenses and habits that need adjusting when you are seriously behind on saving for retirement. Other topics:

• Issues of incorporating

• Estate tax repeal – is it good or bad?

• Sal’s company was sold and has to make decisions on his pension plan and 401k

• Avoiding probate without