Ask a farmer that question, and chances are he'll chuckle and make a comment like, "Who'd run the place?!" or "What else would I do?". All the while, he's just hoping to avoid the real issue - that he's completely unprepared for retirement.

A farmer wants his agribusiness passed free of encumbrances to the next generation, but needs a plan designed to allow financial independence for his own retirement. Retirement planning can seem like a chess game in which a move here begets a move there.

The most important aspects of a retirement plan are that you start early, invest all you can, and then adjust as necessary to reach the amount of money necessary to fund the next step in your life. Today, you may be convinced that you will never want to retire. And yet, why not keep the option open, and let the choice be yours?