We all have those mornings that we wake up and the first thing we think is: "I just CAN'T do it today." Whether it's work or parenting or just life in general. It's that defeated, deflated, and exhausted feeling in your gut that grabs you and convinces you that you aren't good enough to get the job done.
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How do we decide what percentage of our income to earmark for retirement? Undoubtedly we think about the bills we have to pay and the medical expenses we might incur. This is a solid start -- but how many of us are thinking about the lifestyle we hope to have and the unpredictable realities that we may face during our retirement?