The Ultimate Retirement Income Security

by Gary A. Mitchell

You're probably either retired or planning for retirement if you're reading this article. You've lived long enough to know that income security, sufficient enough to retire on, takes a lot of consistent planning.

Since its' October 2007 high, the stock market has lost 45% of its' value by February 2009. For those of us age 50 or more that means we've absorbed a $5 trillion loss. Unemployment has doubled for those over 50 in the last 16 months, housing prices have diminished by 20% and this means that many of us are delaying retirement.

What is security? If we ask 10 people we will get 10 different answers. Tony Robbins (famous motivational speaker) asked an interesting question in a video. He asked "Who would be happier four years from now, a lotto winner of 5 million dollars or a person challenged by paralysis and chronic back pain from a terrible accident"?

He claims the person who sustained paralysis and back pain from the accident would probably be the happier person according to statistics. This was rationalized by the fact that many lotto winners tend to spend their money until it's gone and they are likely to lose perspective. They often lack the discipline it takes to manage their lotto winnings and find themselves in a depressing set of circumstances.

Usually the person with paralysis and back pain will find that is it possible to make progress with physical therapy and it is in this progress that they find a sense of happiness.

If there is a moral to the story, it is this; Tony Robbins says that with the right perspective we find what we are looking for. It is not the end of the journey that brings us joy, it is the experience of making progress that brings happiness because human nature needs a challenge.

Ultimate income security for retirement comes in having a can do attitude. For the first time in your life you have both time and money together which gives you the opportunity to start a home business or make personal improvements resulting in a better lifestyle.

Small changes can bring large results. Moderate exercise, working on dietary changes, reducing bad habits, working on personal improvements or deleting unnecessary expenses from your budget are small steps that if taken consistently can greatly improve the life experience.

Small improvements are easier to achieve and you're more likely to attempt doing them over big changes all at once. Ask yourself which would be better to have, better health or more money.

A little sole searching will help reveal what really brings happiness. Money without good health isn't by itself going to bring you lasting joy. If these are you Golden Years or you are still planning ahead for them you can make a list of doable things that will affect you financial, physical and mental wellness.

There's never enough money it seems, but with a positive attitude you can influence the variables in life by improving your outlook. You want to get the most leverage out of the income you do have and a good outlook with a positive attitude can influence the quality of your lifestyle during this special time of life.

If you would like to find how to start a home business for retirement or look for ways to improve your retirement visit http://www.RetirementSolutionsNow.com

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