No matter how many years you are from calling it quits, it’s essential to have some kind of plan in mind for financing retirement. The days of counting on Uncle Sam and a company pension to carry you through old age are gone. We’re living increasingly in a “yoyo” economy — short for “you’re on your own.  And it’s easy to get fooled by some of the many myths about retirement planning that exist on the Internet or in misguided advice passed along unwittingly by well-meaning family or friends. Heeding bad tips could cost you when you can least afford it…

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