Too many people either freeze or dive in headlong when faced with planning something that's 10, 20, or 30 years out—like retirement. It's hard to think that far out when scheduling even tomorrow is a challenge. If you've done nothing to plan for retirement or have a plan but no idea if you're on track, this book is for you. Whether you're 20 or 50, you owe it to yourself to have a solid plan and to understand what it will take to retire.For this book, I chose to approach the topic of retirement planning with beginners in mind. I know that the typical jargon-loaded, data-driven finance guidebooks tend to turn people off. Then there's Bill, a retired grocery store clerk I happened to meet during a ski trip in the Sierras. His story and our conversation inspired me. He shared his steady approach to building a successful retirement. The everyday language he used to convey financial topics became the basis of this book.Read this book if:You have started your first job and know nothing about retirement accounts, budgeting, and personal finance and you want an easy-to-read guide.You have a retirement account but don’t feel confident in your knowledge of investing and personal finance—and don’t know if you’re on track.You’re not new to personal finance and may even have an advisor—but you find all the jargon used by the professionals confusing and intimidating.You don’t like the topic and tend to zone out when you should be paying attention.