Everyday we clock in and out of work and the dream of retirement and the future of our money and our finances grows stronger. Retirement is what most of us work towards. The glorious time of retirement is to make up for whatever you have missed in your regular life and to truly indulge all your desires without any hard commitments. Many people plan for vacation homes, endless golf courses, and the simplicity of just knitting. With all the glory and joy of retirement, there is definitely a financial responsibility with tons of planning involved.