Planning for Retirement Means Creating Cash Flow

In the 21st Century, the planning for retirement game has changed a bit.

While it’s still wise to pay attention to your IRA and 401(k) accounts, you should be also paying attention to other ways to bring in income during your years in retirement.

While the articles below help you focus on many of the traditional methods when it comes to being fully prepared for retirement, be sure that you don’t depend only on the traditional retirement planning tools and tips you’re likely to hear from your financial planner.

Yes, continue to listen to sound advice for planning retirement as you work to build up your retirement nest egg through the stock market (IRA/401, etc).

However, don’t stick your head in the sand regarding the way the Federal Reserve System is taking over more and more of the banking in America.

Pay attention to the consolidation going on within the banking community.

Pay attention to the way the Fed continues to devalue the dollar.

Pay attention to the way this all affects the stock market. If you’re doing your financial planning for retirement and betting your future on what will be in your stock/bond portfolio, you will most likely be in for a huge shock someday.

While I’m not ready (yet!) to go in full bore with the doomsdayers who are predicting a complete financial meltdown, it would be wise to hedge your bets a bit here. The banking bailout was only a stop-gap measure. The economy is still in trouble.

As the saying goes, this isn’t your father’s retirement situation. We no longer live in a time of nice, traditional 30-year job situations that end up with a plush pension plan. It’s time to wake up to the fact that today we live in a time of plutocracy: the multi-national corporations rule.

These corporations don’t give a hoot about you, your family, or your need for planning for retirement. They don't care if you realize your early retirement plan. They don’t care if you end up losing your job at age 50-something and all that goes with it… pension, IRA, etc.

Therefore, let’s get you thinking about other avenues that just may save your butt when you decide to hang up that job.

First of all, while you’re placing much of your hard-earned income into the stock market, you may want to investigate how to get some of your money invested in areas such as gold or silver as well.

In addition, you may want to be investing some time now on “side businesses” that can bring in extra cash now and possibly save you after retirement. A couple of great areas to investigate and get good in would be building mini-websites (such as the one you’re reading right now) and real estate investing.

As you’re planning for retirement today, you need to be thinking in terms of “cash flow”. How can you develop streams of income that continue to work for you even while you relax? Websites and real estate can provide this for you.

In today’s economic environment, it’s becoming increasingly apparent that those who will retire in style (let alone retire early!) will be those who invest time and money in these types of enterprises. Those who try the traditional route only are in for a rude awakening after their retirement party planning efforts are done.

Continue planning for retirement. Take advantage of that 401(k) if your job provides you one. Just make sure you aren’t counting on that thing to save you in the end.

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