In today's economy it's tougher and tougher to plan ahead. Unfortunately there are disasters that are of course outside of your circle of influence; disasters that may happen in the future. Even if you are a savvy investor there are companies that go under, even when they look good on paper, but that had some of your retirement plans when you thought they were doing great. The federal government is bailing investment and insurance firms out of the holes... ❯❯❯