What Retirement Plan Is Right For Me? 
What retirement plan is right for you ? The right plan for you is going to be the one `` you '' actually do . Waiting around for perfect or the plan , simply wastes time . Wasting time is the biggest downfall for most people when it comes to retirements . Personally I do n't care if it 's a passbook savings account or a 401 -LRB- k -RRB- or anything , if you fail to do anything , you simply wo n't have anything . There are many options both qualified and non qualified out there to choose from . Read up and pick one that works for you and that you WILL fund . In my profession I 've seen agents make fun of little old ladies with a couple hundred thousand in a savings account . They would comment on how stupid these ladies were ... Me ? I thought they were smart . Yea , sure lots of different things they could have done , but they saved and they saved some more . They had something because they saved something . It 's the habit of saving rather than the plan . Lots of people have `` plans '' with no money in them . 