Outside the Box: A 20-step guide to a horrible retirement

There’s an abundance of advice on how to plan for retirement. Oh, it’s good advice. But it’s also a bit complicated, often requires discipline and always necessitates actually doing something.

And let’s face it: Who needs advice? Who wants to actually do something? Here are 20 ways to ignore the experts—and wreck your chances of a financially comfortable retirement:

1. Keep thinking retirement is so far in the future that there’s no need to act now. There’s still plenty of time. After all, you’re only [insert age].

2. Avoid saving when you’re young and instead play catch-up starting at age 50.

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