8 • MARTIN H. RUBY
I’ll make as many of my grandkids’ soccer games and ballet recitals as I can. When I think about my life at seventy-five, very little of it has to do with money. And yet, the picture I see can only be supported if I have the income to make it a reality. Will I have the money to go to Hilton Head? Will I be able to give generously to United Way? Will I be able to eat out when I want without worrying too much about what’s on the right side of the menu? Or, will I be anx- ious about fitting an occasional expensive meal into a tight monthly budget? When people tell me they don’t have time to think about their future (let alone save for it), I ask them to go through the same exercise mentioned above. Picture life at seventy-five. Take a moment and do it yourself. Write down five or six things you want to be sure you’ll have. It’s okay if these things change over time. The important thing is to picture them now: At seventy-five, I want to: ____________________________________________________ ____________________________________________________ ____________________________________________________ ____________________________________________________ ____________________________________________________ What did you write down? Even if you chose not to put any- thing on those lines, I want you to at least think about it. After all, these are the things that will make up your retirement. The new rules of saving will make sure the goals on the above list become reality. They can save you from sacrificing pleasures down the road because you didn’t plan well today.
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