We have not saved properly for retirement and still have children to marry off.  We never made the time to sit down and plan for the future.  Pushing this subject off every single time and concentrating on the moment we were in, was our only focus.  But now, it is serious, no more hiding and running away from planning for our old age.  We are definitely getting older and we still have a small mortgage left on our apartment.  We ended up meeting for over three hours discussing our goals, our needs, and figuring out the best plan of action for our future.  Now that we have a plan in place we are keeping ourselves focused and working towards the goals we have set before us.  BenefitsRus is really a one-stop place to help people.