No matter how old you are, retirement should be a goal you're planning for and working toward.

if you hope to retire someday, you need to be sure you can afford to do so.

You Have a High Level of Debt Industry guidelines suggest that your mortgage expenses should be no more than 28% of your pre-tax household income

Your Spending Exceeds Your Income Shopping might be good for the economy, but not so much your bottom line.

Your Emergency Fund Is Running Low Even though you aren't receiving a paycheck anymore, the same unexpected emergencies can pop up in retirement.

You Haven't Reviewed Your Portfolio Recently It's important to make the most of what you have saved up last throughout your retirement years.

You Lack Adequate Insurance Having enough insurance coverage -- especially when it comes to health insurance -- is crucial in retirement.

You Don't Have a Social Plan If your social circle is strictly co-workers and Facebook friends, you may not be ready to retire