We do this for 30 or 40+ years with the anticipation of finally having the time, and just as important the money, to enjoy our retirement years. However, as many of us are finding out the hard way; our dreams don’t always coincide with our reality. Some of us have to work an extra 5-10 years, or even work a part-time job during retirement in order to keep up with our current standard of living. Others have realized that bad investment choices or some other catastrophic event has derailed their retirement plans. Regardless of what or how it has happened, the opportunity to get back on track is available to anyone who wants to be successful in retirement.