One of the reasons I started this company was to help people make better decisions. I recently met with Bonnie to help her plan for her retirement. We went through her Social Security and looked at her assets. Fortunately for her, she had very little debt and a reasonable income goal for retirement. The challenge is that she did not have enough savings for retirement. Her goal was to retire at 62 and live off Social Security, a small pension, an inheritance and her 403(b) plan.