Have a problem? Make it into a procedure and you no longer have a problem. Simple as that. Right? Just make sure you have the right procedure. Can you imagine a surgeon going into operation with the wrong procedure instructions? Yikes! Yet that is very similar to what's happening to people all around us. Maybe even for yourself. Either you've had or still have professional advice, or you listen to the media at some level or other, and for lack of better terms, you have a plan at some level, right? How sure are you that your "plan" will work under any and all circumstances? What if another 2008 hits around your desired retirement years? There have been as many as 47 recessions in the United States since 1790! Research it for yourself. A plan that doesn't work under any and all circumstances is no plan at all. It's a recipe for disaster.