1. What are your thoughts on this comment? “Younger workers today face some serious challenges in deciding where to invest their retirement funds.”

2. Do you know anyone who has estimated his or her retirement savings goal in today’s dollars? Offer two reasons why many people do not perform those calculations. Offer two reasons why it would be smart for people to determine a financial target.

3. Of all the mistakes that people make when planning for retirement, which one might be likely to negatively affect your retirement planning? Give two reasons why.

4. Do college students really need a will at this point in their lives? Why or why not? What probably would happen to the typical college student’s assets if he or she died without a will?

5. Identify topics that you would cover in your letter of last instructions.