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	<title>Personal Finance Advice &#187; Retirement</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>Top 5 Dying Regrets, Why I Won&#8217;t Have Them and Neither Should You</title>
		<link>http://www.pfadvice.com/2012/02/04/top-5-dying-regrets-why-i-wont-have-them/</link>
		<comments>http://www.pfadvice.com/2012/02/04/top-5-dying-regrets-why-i-wont-have-them/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 12:50:47 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[be happier]]></category>
		<category><![CDATA[Bronnie Ware]]></category>
		<category><![CDATA[common regrets]]></category>
		<category><![CDATA[courage]]></category>
		<category><![CDATA[dying]]></category>
		<category><![CDATA[dying regrets]]></category>
		<category><![CDATA[express feelings]]></category>
		<category><![CDATA[friendship]]></category>
		<category><![CDATA[life lessons]]></category>
		<category><![CDATA[Top Five Regrets of the Dying]]></category>
		<category><![CDATA[work too hard]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9190</guid>
		<description><![CDATA[One of the most important life lessons that we can all learn is to seriously listen to and consider the advice from those who have more experience than we do. When it comes to the end of our life, most of us are going to have some regrets. A nurse, Bronnie Ware, who spent years [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/02/04/top-5-dying-regrets-why-i-wont-have-them/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>The Best Financial Gifts You Can Give Your Kids</title>
		<link>http://www.pfadvice.com/2012/01/26/the-best-financial-gifts-you-can-give-your-kids/</link>
		<comments>http://www.pfadvice.com/2012/01/26/the-best-financial-gifts-you-can-give-your-kids/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 16:35:51 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[best gifts]]></category>
		<category><![CDATA[building wealth]]></category>
		<category><![CDATA[financial security]]></category>
		<category><![CDATA[gifts]]></category>
		<category><![CDATA[gifts for kids]]></category>
		<category><![CDATA[kids activities]]></category>
		<category><![CDATA[kids sports]]></category>
		<category><![CDATA[secure environment]]></category>
		<category><![CDATA[stable household]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9004</guid>
		<description><![CDATA[Whenever I read or post an article that suggests that someone cut down spending on their kids, I&#8217;m always amused (and amazed) by the outraged comments. If you dare to suggest to someone that is struggling that they cut down on the sports or extra curricular activities, take the kids out of private school, cancel [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/26/the-best-financial-gifts-you-can-give-your-kids/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<item>
		<title>Money Lessons Learned from &#8220;The Firm&#8221;</title>
		<link>http://www.pfadvice.com/2011/12/15/money-lessons-learned-from-the-firm/</link>
		<comments>http://www.pfadvice.com/2011/12/15/money-lessons-learned-from-the-firm/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 17:15:08 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[X Files]]></category>
		<category><![CDATA[cheating for money]]></category>
		<category><![CDATA[corporate greed]]></category>
		<category><![CDATA[if it sounds too good to be true]]></category>
		<category><![CDATA[John Grisham]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[money changes]]></category>
		<category><![CDATA[obsessed]]></category>
		<category><![CDATA[personal greed]]></category>
		<category><![CDATA[personal values]]></category>
		<category><![CDATA[The Firm]]></category>
		<category><![CDATA[unethical]]></category>
		<category><![CDATA[worth of money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8398</guid>
		<description><![CDATA[If you&#8217;ve ever read the book by John Grisham or seen the movie, &#8220;The Firm,&#8221; then you are familiar with the tale of corporate and personal greed that leads one man to almost lose his life and all of the things he values. In the movie/book, Mitchell McDeree takes a job at a law firm [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/12/15/money-lessons-learned-from-the-firm/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Retirement Planning: Consider Your Time as Well as Your Money</title>
		<link>http://www.pfadvice.com/2011/11/23/retirement-planning-consider-your-time-as-well-as-your-money/</link>
		<comments>http://www.pfadvice.com/2011/11/23/retirement-planning-consider-your-time-as-well-as-your-money/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 17:02:13 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[enjoyable retirement]]></category>
		<category><![CDATA[hobbies]]></category>
		<category><![CDATA[interests]]></category>
		<category><![CDATA[part-time work]]></category>
		<category><![CDATA[quit working]]></category>
		<category><![CDATA[retirement activities]]></category>
		<category><![CDATA[retirement depression]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8008</guid>
		<description><![CDATA[Retirement can be a scary thing. You wouldn&#8217;t think so, since so many people look forward to the day when they can stop working and take it easy. However, the financial and emotional adjustments can cause problems if you aren&#8217;t prepared for them. Most of us just blindly save money toward retirement thinking that the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/23/retirement-planning-consider-your-time-as-well-as-your-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Good Bonus Plan or Bad Bonus Plan? Would You Be Upset?</title>
		<link>http://www.pfadvice.com/2011/08/09/would-you-be-upset-by-this-bonus-plan/</link>
		<comments>http://www.pfadvice.com/2011/08/09/would-you-be-upset-by-this-bonus-plan/#comments</comments>
		<pubDate>Tue, 09 Aug 2011 17:43:34 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[401k bonus]]></category>
		<category><![CDATA[401k match]]></category>
		<category><![CDATA[401k plans]]></category>
		<category><![CDATA[bad bonus plan]]></category>
		<category><![CDATA[bonus plans]]></category>
		<category><![CDATA[good bonus plan]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7535</guid>
		<description><![CDATA[A friend of mine (who has been unemployed for over a year) was recently offered a job in her field with a good company. She didn&#8217;t take it. I was floored that someone who has been out of work for over a year would not snap up a job like this. &#8220;I didn&#8217;t like the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/08/09/would-you-be-upset-by-this-bonus-plan/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>Stop Robbing Your Future Wealth</title>
		<link>http://www.pfadvice.com/2011/03/28/stop-robbing-your-future-wealth/</link>
		<comments>http://www.pfadvice.com/2011/03/28/stop-robbing-your-future-wealth/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 17:47:23 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[car loans]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[future wealth]]></category>
		<category><![CDATA[home equity]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7074</guid>
		<description><![CDATA[One of the hardest things for many people to see in relation to their finances is how their actions today are robbing them of future wealth. It&#8217;s easy to focus on today and think that if you can make the payments on that living room set that it&#8217;s okay. It&#8217;s easy to think that borrowing [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/03/28/stop-robbing-your-future-wealth/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How to Use a Retirement Calculator</title>
		<link>http://www.pfadvice.com/2011/03/24/how-to-use-a-retirement-calculator/</link>
		<comments>http://www.pfadvice.com/2011/03/24/how-to-use-a-retirement-calculator/#comments</comments>
		<pubDate>Thu, 24 Mar 2011 15:44:35 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[best retirement calculator]]></category>
		<category><![CDATA[money calculators]]></category>
		<category><![CDATA[retirement calculator]]></category>
		<category><![CDATA[using retirement calculators]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7068</guid>
		<description><![CDATA[You&#8217;ve probably seen retirement calculators scattered all over the Internet. Almost every bank and brokerage firm has their own. You can also find them at sites like CNN Money or MSN Money. With so many available, you&#8217;d think that everyone would know their &#8220;number&#8221; that they&#8217;ll need to retire. The thing is, even with this [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/03/24/how-to-use-a-retirement-calculator/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Completely Tax Free Roth IRA: Strange Ways to Save</title>
		<link>http://www.pfadvice.com/2010/06/09/the-completely-tax-free-roth-ira-strange-ways-to-save/</link>
		<comments>http://www.pfadvice.com/2010/06/09/the-completely-tax-free-roth-ira-strange-ways-to-save/#comments</comments>
		<pubDate>Wed, 09 Jun 2010 07:01:12 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[avoid taxes]]></category>
		<category><![CDATA[completely tax free]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[smart finances]]></category>
		<category><![CDATA[strange ways to save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6168</guid>
		<description><![CDATA[SavingAdvice is starting a new column that&#8217;s going to look at strange, offbeat ways to save and make money. Anything that&#8217;s a little odd, uncommon, or contrarian is fair game &#8211; as long as it&#8217;s legal. You probably already know about Roth IRA&#8217;s. These are IRA&#8217;s that you fund with after tax dollars and then, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/06/09/the-completely-tax-free-roth-ira-strange-ways-to-save/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Why No One Saves for Retirement</title>
		<link>http://www.pfadvice.com/2010/06/07/why-no-one-saves-for-retirement/</link>
		<comments>http://www.pfadvice.com/2010/06/07/why-no-one-saves-for-retirement/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 07:01:29 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[automatic savings]]></category>
		<category><![CDATA[evolution]]></category>
		<category><![CDATA[future]]></category>
		<category><![CDATA[how to save for retirement]]></category>
		<category><![CDATA[live for today]]></category>
		<category><![CDATA[no retirement savings]]></category>
		<category><![CDATA[not saving enough]]></category>
		<category><![CDATA[save for retirement]]></category>
		<category><![CDATA[saving for retirement]]></category>
		<category><![CDATA[taking action]]></category>
		<category><![CDATA[willpower]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6164</guid>
		<description><![CDATA[If you follow financial news, you see the statistics all the time. The average 401(k) balance is $10,000. Or less, depending on the report. Seventy percent of Boomers haven&#8217;t saved nearly enough for retirement. Only fifteen percent of people eligible to participate in an employers&#8217; retirement plan do so. Even less participate to the full [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/06/07/why-no-one-saves-for-retirement/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>What Happens If I Can&#8217;t Retire?</title>
		<link>http://www.pfadvice.com/2009/09/09/what-happens-if-i-cant-retire/</link>
		<comments>http://www.pfadvice.com/2009/09/09/what-happens-if-i-cant-retire/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 07:01:27 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[adjust expectations]]></category>
		<category><![CDATA[can't retire]]></category>
		<category><![CDATA[don't retire]]></category>
		<category><![CDATA[health care expenses]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[phase out working]]></category>
		<category><![CDATA[retire]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[work longer]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5152</guid>
		<description><![CDATA[In financial circles the big push is to get people to save enough money so that they can retire in comfort. That&#8217;s a noble goal, but the fact is that more and more people aren&#8217;t going to be able to retire, at least not in the way that they dream about. Pensions are a thing [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/09/09/what-happens-if-i-cant-retire/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
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