There are only so many ways to Save, Invest or let's just call it - Manage Your Money, Fair? Now compare what you are now doing to the "What's Your Plan" column on the left of this chart to see where your plan lies. Is there room for improvement? So if what you really want is the proverbial "Perfect Plan", why is what you want so different from what you have?
Don't feel bad as many of us have followed the crowd and believed the lies that are fed by greedy & dishonest or at the very least, poorly educated financial sales folks. Many of which are not even allowed to sell the products you need most as their companies do not offer them.
~Most people spend more time planning a vacation than they do their retirement~