Most Americans don’t have sufficient funds in retirement accounts. Naturally, they can’t just retire and continue working. Whereas there are people who take early retirement. Start managing money well today so that you won’t regret when you’re old.

After graduation from the university where occasional side jobs were my best friends, I’ve got a fright:

Unfortunately, unexpected life events rear their ugly heads without respect to age, gender or ethnic background.  It’s the human condition! If we are breathing and actively participating on this earth, we can be guaranteed that we will experience an unexpected life event that will create a financial hardship. It doesn’t matter whether you’re single, married, divorced, male, female, old, young – and I can go on but you get the picture.

While it would seem logical and a “no brainer” that if you’re breathing you might experience an unexpected life emergency, why is it we don’t plan for the unexpected? I’m not aware of many who live in a bubble protected from what I call “life’s suddenlies.”  Life is going great, and suddenly a major disruption renders us under financial pressure.