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Retirement Planning: The Surprising “Pill” That Can Fix Our Retirement Crisis

Source: TD Ameritrade. .

Source: TD Ameritrade. .

The best news yet

If you're reading this and you haven't yet experienced such a disruption, you have an opportunity to get all the benefits of this "pill" without facing any of the negative precursors. How? Voluntarily choose to do all of the actions listed above.

If following these tenets sounds a little too simple and unsexy to make a big difference in your life, I think you are confusing "simple" with "easy." While decreasing spending, paying down debts, and lowering your expectations are simple enough, they can be exceptionally difficult to implement on a day-to-day basis.

That's why I like to take an alternative approach to accomplishing the same ends. Instead of making a checklist with all nine bullet points, I find it easier to start with one simple goal and let everything flow from there.

That goal is this: " Find your Enough ." By that I mean start with nothing in your life, then find out what needs to be added to give you a happy, meaningful existence. In doing so you will work from a position of strength, and I believe you'll be pleasantly surprised by how easily all nine of the bullets points above naturally take care of themselves.

Of course, for many, it might be a little late in the game for such an approach to make a huge difference. For those, I strongly suggest ways to maximize your Social Security benefits, like the one we offer below.

How one Seattle couple secured a $60K Social Security bonus -- and you can too

A Seattle couple recently discovered some little-known Social Security secrets that can boost many retirees' income by as much as $60,000. They were shocked by how easy it was to actually take advantage of these loopholes. And although it may seem too good to be true, it's 100% real. In fact, one MarketWatch reporter argues that if more Americans used them, the government would have to shell out an extra $10 billion... every year! So once you learn how to take advantage of these loopholes, you could retire confidently with the peace of mind we're all after, even if you're woefully unprepared. Simply click here to receive your free copy of our new report that details how you can take advantage of these strategies.

The article Retirement Planning: The Surprising "Pill" That Can Fix Our Retirement Crisis originally appeared on Fool.com.

Brian Stoffel has no position in any stocks mentioned. The Motley Fool recommends TD Ameritrade. The Motley Fool owns shares of TD Ameritrade. Try any of our Foolish newsletter services free for 30 days . We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy .

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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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