Planning for retirement can be daunting, and every day brings you closer to the moment when you might have to rely on your savings and investments to cover your bills. Even then, most of us don’t feel confident that our savings will be enough (assuming we have any at all). And while money is important, there’s a lot more to consider when planning your retirement, from how you’ll spend your time, to where you’ll live, to how you’ll handle healthcare coverage.In other words, you need more than just a 401K or an IRA—you need a fully-formed retirement plan. But even if you’ve put a lot of thought into your retirement, if you only have one plan for your golden years, it might not be enough, becau
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