Ep 71 Why You Feel Unprepared For Retirement

Wealthy After 40: Personal Finance, Financial Freedom, Debt Payoff, and Retirement Savings for Gen Xers

Player FM - Internet Radio Done Right

تمت الإضافة منذ forty-seven أسبوع

المحتوى المقدم من Dalene Higgins. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Dalene Higgins أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

The So What from BCG

1
Re-Recruiting and Other New HR Strategies You Can’t Ignore 18:09

منذ 14 يومًا18:09

التشغيل لاحقا

قوائم

إعجاب

احب

18:09

HR is no longer just about managing people—it’s about shaping the future of work. Jens Baier, BCG’s HR transformation expert, discusses how AI and shifting employee expectations are forcing companies to rethink talent strategies. From re-recruiting to upskilling employees, HR must adapt to a rapidly changing landscape. Learn More: Jens Baier: https://on.bcg.com/41ca7Gv BCG on People Strategy: https://on.bcg.com/3QtAjro Decoding Global Talent: https://on.bcg.com/4gUC4IT…

منذ عام واحد 19:04

MP3•منزل الحلقة

Submit your questions here!

In this episode, I discuss common reasons why many feel unprepared for retirement. The real culprit isn’t what you think it is. Learn the psychological and practical aspects of retirement as well as the steps needed to close the gap between your current financial situation and your retirement goals.

00:00 Why You Feel Unprepared For Retirement

01:34 Retirement Uncertainty Is More Than Just Finances

05:59 Understanding Your Current Financial Situation

07:47 Building Your Retirement Dream

12:11 How To Tie Those Together For Success

13:26 Free Gift and Final Thoughts

Mentioned in Episode:

Make Retirement Possible Membership

10 Essential Questions About Retirement

💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience!
🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered.

👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.

109 حلقات

#Podcasting Education #Self-Improvement #Dalene Higgins

Ep 71 Why You Feel Unprepared For Retirement

Wealthy After 40: Personal Finance, Financial Freedom, Debt Payoff, and Retirement Savings for Gen Xers

published منذ عام واحد

MP3•منزل الحلقة

Submit your questions here!

00:00 Why You Feel Unprepared For Retirement

01:34 Retirement Uncertainty Is More Than Just Finances

05:59 Understanding Your Current Financial Situation

07:47 Building Your Retirement Dream

12:11 How To Tie Those Together For Success

13:26 Free Gift and Final Thoughts

Mentioned in Episode:

Make Retirement Possible Membership

10 Essential Questions About Retirement

👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE.

109 حلقات

#Podcasting Education #Self-Improvement #Dalene Higgins

ทุกตอน

1
Ep 108 | Get Retirement Ready With These Smart Moves 20:08

منذ 1 day20:08

20:08

Submit your questions here! Feeling overwhelmed with retirement planning? This episode helps simplify the process by highlighting two key starting points. By focusing on these foundational pieces, you’ll gain clarity on where to begin and uncover the next steps to move forward with confidence. This episode breaks down retirement planning by focusing on key areas like budgeting, spending, and saving while helping you define your financial independence number. It also highlights the importance of envisioning your ideal retirement lifestyle by incorporating your goals, hobbies, and daily activities. What You’ll Learn: ✅ The best place to start with retirement planning ✅ How your current financial situation shapes your retirement path ✅ How to assess and plan for your retirement expenses ✅ The impact of your lifestyle and goals on your retirement budget 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 107 | Advice For Elderly Parents Care From Guest Expert Asha Paulose 34:06

منذ 5 أيام34:06

34:06

Submit your questions here! In this podcast episode, estate and elder law attorney Asha Paulose discusses important steps in planning for aging parents' long-term care and financial needs. She emphasizes the importance of early and continuous conversations with parents and outlines critical legal documents like healthcare proxies and powers of attorney. Asha explains common mistakes families make, such as mishandling property transfers and joint accounts, and highlights the role of Medicare and Medicaid in covering long-term care costs. She also offers advice on leveraging legal expertise to ensure both parents' and caregivers' interests are protected. What You’ll Learn From the Podcast: ✅ Why long-term care planning is an often-overlooked aspect of retirement planning ✅ How to initiate difficult conversations with parents about aging and long-term care ✅ The key documents that families should have in place for protection ✅ Difference between Wills and Trusts Whether you’re dealing with the complexities of long-term care planning or just starting the conversation, this episode provides valuable advice to help you protect your parents’ future and ensure their wishes are carried out. Connect with Asha: Website Email: asha@ashapaulose.com 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 106 | How My Client Found Balance Between Debt Payoff and Saving 18:46

منذ 8 أيام18:46

18:46

Submit your questions here! In today's episode, I’m sharing an inspiring success story of one of my amazing clients who transformed her financial life in just three months. She paid off $5,000 in debt, saved $2,500, and even started planning for travel. If you’ve ever felt stuck in the paycheck-to-paycheck cycle and unsure how to balance debt payoff with saving, this episode is for you. What You’ll Learn in This Episode: ✅ The real reason budgeting alone isn’t enough ✅ How to balance saving while paying off debt ✅ The three key changes my client made that led to her financial success ✅ The importance of setting up a cash flow system that works for you Action Steps: If you feel like you’re doing all the right things but still not making financial progress, it might be time to look at what’s missing. Book a Retirement Ready VIP Session to get a clear picture of your financial situation and identify what adjustments can help you reach your goals. Resources Mentioned: Episode 30: Why Savings is the #1 Habit for Financial Success Questions: Schedule a free Q&A call 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep | 105 Childfree Wealth Financial Planning with Jay Zigmont 26:19

منذ 12 يومًا26:19

26:19

Submit your questions here! Whether you’re childfree by choice or circumstance, guest Jay Zigmont shares the unique financial and life planning challenges for childfree individuals. He shares customized financial strategies that prioritize personal goals over traditional life scripts. Tune into this episode to understand the unique way to look at your finances, retirement, and death when life’s circumstances don’t fit the norm. What You’ll Learn: ✅ Rethinking retirement when leaving a legacy is not the end goal ✅ How and when to plan for long-term care ✅ How to select your medical decision-makers Connect with Jay: Email Website 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 104 | 5 Ways to Pay Off Debt Before Retirement 17:57

منذ 15 يومًا17:57

17:57

Submit your questions here! You’re ready to payoff debt and not sure if debt snowball or debt avalanche method is best. In this episode, I describe five (5) different strategies you could implement to become debt free. Listen in as I guide you through how to create your own debt payoff plan and be successful in becoming debt free before retirement. What You’ll Learn: ✅ Why does your debt continue to grow even with the efforts you’ve put in to paying it off? ✅ Choose the best strategy that fits you, your personality, and your goals best. ✅ Learn how to achieve success by honing your focus and clarifying your “why.” Resources Mentioned in Episode Episode 007: Emergency Fund - The #1 Way to Eliminate Debt FAST 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 103 | What Is Generosity? A Conversation with Alison Patterson, Generosity Strategist 22:00

منذ 19 يومًا22:00

22:00

Submit your questions here! Being generous doesn’t have to be just about money, and Alison Patterson agrees. Working as a philanthropic advisor, she helps individuals choose their best form of generosity to support their time, energy, and money in retirement. Listen in to learn what is generosity, and how to explore opportunities for you that best fit your values. What You’ll Learn in This Episode: ✅ Philanthropy in Retirement: Discover how incorporating philanthropy into your retirement plan can enhance both your financial strategy and overall fulfillment. ✅ Find Your Why: Learn how to craft a generosity statement that reflects your core values, ensuring your giving is intentional and meaningful. ✅ Explore how curiosity can lead you to unexpected and impactful giving opportunities in your community and beyond. Connect With Alison: Website Instagram LinkedIn 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 102 | Redefining Your Debt Relationship and Taking Control For Retirement 19:47

منذ 22 يومًا19:47

19:47

Submit your questions here! Debt is a part of financial life, but it doesn’t have to define you. In this episode, I dive deep into the reasons we accumulate debt, the emotional and financial weight it carries, and how to take back control. Through real client scenarios, we’ll explore common debt challenges and practical solutions. You’ll walk away with a fresh perspective on your debt relationship and actionable steps to create financial clarity. What You’ll Learn in This Episode: ✅ Why we get into debt—unexpected expenses, major life changes, and financial habits ✅ How to shift your mindset and create a positive relationship with debt ✅ The importance of budgeting and tracking debt for financial confidence ✅ Three real-life client scenarios and their strategies for overcoming debt ✅ A simple action step: creating your personal debt awareness list 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 101 | Navigating Financial Conversations in Relationships with Lindsey Carnick 34:54

منذ 26 يومًا34:54

34:54

Submit your questions here! Get a clear plan for retirement! Book your Retirement Strategy Session today and take the guesswork out of your future. In this episode, I welcome therapist Lindsey Carnick to discuss managing stress, anxiety, and financial conversations within relationships. Lindsay, licensed in nine states and experienced in keynote speaking, offers insights on creating a safe space for financial discussions, understanding the emotional charge behind money conversations, and maintaining healthy communication habits. She shares practical tips and exercises for couples to foster connection and trust while addressing financial goals and individual spending preferences. 00:00 Introduction and Guest Welcome 01:06 Creating a Safe Space for Financial Discussions 06:35 Emotional Charge in Financial Conversations 11:05 Balancing Shared Goals and Individual Preferences 18:21 Habits for Healthy Communication 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Celebrating 100 Episodes: My Podcasting Journey and Top Episodes Revealed 19:05

منذ 29 يومًا19:05

19:05

Submit your questions here! Join the Savings Challenge Waitlist HERE In the milestone 100th episode, I share about my initial skepticism and gradual success, including reaching the top 5% globally in the education category. I further the most popular episodes, covering topics like cash flow management and retirement savings. Looking for support from my amazing listeners, I request feedback and reviews and announce plans for future guest episodes and a new Savings Academy. Listeners are encouraged to submit questions for upcoming Q&A episodes. 00:00 Welcome to the 100th Episode! 01:33 Reflecting on the Podcast Journey 02:18 Launching the Podcast 04:16 Achieving Top 5% Globally 05:59 Expanding Content and Guest Episodes 08:14 Top 5 Episodes Revealed 13:43 Listener Engagement and Future Plans The Top 5 Episodes Ep 63 Why You Feel Broke and How to Manage Your Cash Flow Effectively Ep 60 5 Steps to Becoming Your Own Financial Advisor Ep 56 How To Bridge the Retirement Savings Gap - Strategies to Catch Up and Thrive Ep 59 4 Simple Steps to Master Consistent Savings Ep 78 | 3 Ways to Make Sure You're On Track to Retirement 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 99 | Creating Passive Income for Retirement with Private Lending 24:10

منذ 5 weeks24:10

24:10

Submit your questions here! Get a clear plan for retirement! Book your Retirement Strategy Session today and take the guesswork out of your future. In this episode, my guest Jim Manning shares his journey from a Jesuit-educated insurance paperwork pusher to a mission-driven real estate investor. He shares his passion for transforming properties into homes, scaling his business using private lending, and the importance of prioritizing family and fulfillment over financial gain. Jim also offers insights on how investing in real estate can provide significant benefits compared to traditional stock market investments, and provides advice for prospective investors looking to achieve financial freedom. 00:00 Introduction and Guest Welcome 00:11 Jim Manning's Background and Early Career 00:44 Discovering Real Estate Investing 01:22 Scaling the Business with Private Lending 02:54 The Impact of Homeownership 03:43 Personal Reflections and Business Evolution 06:29 Balancing Family and Financial Freedom 09:40 Real Estate vs. Stock Market Investments 14:34 Lessons from a Self-Made Billionaire 18:42 Connecting with Jim Manning 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 98 | Retirement 101: Creating a Fulfilling Next Chapter, Your Retirement 21:40

منذ 5 weeks21:40

21:40

Submit your questions here! Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan! In the final part of the Retirement 101 series, the focus is on creating a fulfilling and meaningful retirement lifestyle. This episode includes practical advice on envisioning and planning great experiences, seasonal activities, and day-to-day routines that align with personal interests and goals. Emphasis is placed on the importance of planning ahead to avoid boredom and ensure a satisfying retirement. Additionally, the episode encourages testing out these experiences and creating a retirement budget to support the envisioned lifestyle. 01:09 Creating a Retirement Lifestyle You'll Love 03:06 Vision Exercise for Retirement 05:25 Seasonal Experiences in Retirement 07:17 Day-to-Day Planning for Retirement 13:02 Testing Your Retirement Plan 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 97 | Understanding Behaviors for Investing and Financial Success 30:23

منذ 6 weeks30:23

30:23

Submit your questions here! Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! In this episode, we dive into the fascinating world of behavioral investing with Rick, a financial advisor from Dallas who specializes in helping people make smarter money decisions. But forget boring investment talk - this episode is all about understanding how our emotions and actions affect our financial success. Think of it like sports: Having the best equipment helps, but what really matters is how you use it. Rick explains that the same goes for money - it's not just about picking good investments, but about sticking to your game plan even when things get tough. Throughout the episode, Rick emphasizes that financial success isn't just about math - it's about building good habits and staying committed to your goals, even when it's challenging. 00:00 Introduction and Guest Background 01:27 Understanding Behavioral Investing 05:20 The Impact of Fear on Investing 10:20 Principles for Successful Long-Term Investing 15:05 Tax Management Strategies 18:26 Developing a Stronger Behavior-Based Approach 22:41 Final Thoughts and Action Steps 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 96 | Retirement 101: The Essential Steps to Estimate Your Retirement Budget 21:36

منذ 6 weeks21:36

21:36

Submit your questions here! Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan! In part three of the Retirement 101 series, the focus is on creating an estimated retirement budget. The episode guides listeners through important steps such as identifying recurring expenses, recognizing what costs will decrease post-retirement, and planning for new expenses like medical premiums. It also explains how to calculate your annual expenses and retirement savings gap. The importance of consistent retirement savings and strategies for auditing and simplifying current expenses to better align with retirement goals are discussed. 00:58 Recap of Parts One and Two 01:49 Preparing for Retirement: 2-3 Years Out 02:16 Creating an Estimated Retirement Budget 03:06 Understanding and Adjusting Expenses 08:01 Estimating Retirement Income 09:04 Defining Your Retirement Savings Gap 13:32 Strategies for Closing the Savings Gap 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 95 | Proven Strategies for Financial Independence with Steve Selengut 26:55

منذ 7 weeks26:55

26:55

Submit your questions here! Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! In this episode, Steve Selengut, a seasoned investor and income coach, shares his journey from growing up in an investment-oriented community to retiring with over $110 million under management. Steve emphasizes the importance of multiple income streams, the value of taking profits, and building an income-focused portfolio. Listeners will learn about the six principles of investing discussed in Steve's book 'Retirement Money Secrets' and gain actionable insights on how to assess and enhance their portfolios. Whether you're new to investing or looking to optimize your retirement income, Steve provides practical advice and strategies for achieving financial independence. 00:00 Introduction 00:17 Early Investment Journey 01:32 Developing a Trading Strategy 02:56 Transition to Professional Management 05:09 Becoming an Income Coach 05:18 Income Independence Explained 07:08 Coaching Approach and Client Fit 11:19 Advice for Listeners 15:26 Book Overview and Key Principles 21:04 Final Thoughts and Contact Information Connect with Steve: The Income Coach Retirement Money Secrets Book 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

1
Ep 94 | Retirement 101: Navigating Financial Fears, Debt, and Planning with Confidence 21:31

منذ 7 weeks21:31

21:31

Submit your questions here! Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! This episode is Part 2 of the retirement series and today we’re focusing on gaining clarity and confidence as you approach your retirement, specifically if you are five years away. I will discuss the importance of tackling high-interest debt, understanding risk tolerance, and resolving any fears or doubts you may have regarding retirement. Learn how to manage your debt, assess your risk tolerance, and create a positive relationship with your finances. This episode is part of a four-part series designed to help you prepare efficiently for retirement. 00:47 The Purpose of the Series 02:24 Gaining Clarity and Confidence 02:56 Tackling Debt Before Retirement 07:11 Assessing Risk Tolerance 11:10 Addressing Retirement Fears and Doubts 14:52 Continuous Learning and Growth Resources Mentioned in the Episode: Five Ways to Get Out of Debt Without Sacrificing The Joys of Life 💜 Join the Aligned Abundance Facebook Event – Align your wealth, values, and generosity in this transformative 5-day experience! 🌻 Unsure about your next financial step? Let’s chat! book your free Q&A call to get your questions answered. 👩‍💻 Ready to go ALL IN! The Retirement Ready VIP Session is your next step to mapping out your finances and making real progress toward your retirement goals. Make your purchase HERE .…

مرحبًا بك في مشغل أف ام!

يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.

الاستماع إلى +500 موضوع

TERRO T300B Indoor Liquid Ant Killer , 12 Bait Stations

The Let Them Theory: A Life-Changing Tool That Millions of People Can't Stop Talking About

$25 PlayStation Store Gift Card [Digital Code]

المدونة الصوتية تستحق الاستماع

Wealthy After 40: Personal Finance, Financial Freedom, Debt Payoff, and Retirement Savings for Gen Xers « » Ep 71 Why You Feel Unprepared For Retirement

Ep 71 Why You Feel Unprepared For Retirement

المدونة الصوتية تستحق الاستماع

مرحبًا بك في مشغل أف ام!

The Let Them Theory: A Life-Changing Tool That Millions of People Can't Stop Talking About

The Let Them Theory: A Life-Changing Tool That Millions of People Can't Stop Talking About

MAYBESTA Professional Wireless Lavalier Lapel Microphone for iPhone, iPad - Cordless Omnidirectional Condenser Recording Mic for Interview Video Podcast Vlog YouTube

Bounty Paper Towels Quick Size, White, 16 Family Rolls = 40 Regular Rolls (Packaging May Vary)

The Let Them Theory: A Life-Changing Tool That Millions of People Can't Stop Talking About

دليل مرجعي سريع

Wealthy After 40: Personal Finance, Financial Freedom, Debt Payoff, and Retirement Savings for Gen Xers « »
Ep 71 Why You Feel Unprepared For Retirement