A valueable lesson.

I learned in the first set of classes that I have taken last year for school, it was about retirement and thinking ahead. It really brought up a lot of things that I have not thought about, for instance social security disability which is available if something were to happen and I was not able to work. But what about retiring? I need to have a savings plan and be smart because if I am correct, my social security is going to be used up by today's retirees.