So, how important is it to have a will? It's very important, assuming you want to maintain control of your assets and avoid the court system. But, before you grab a sheet of paper, you need to understand what should be done to make sure your will is effective and valid.

Stretching a dollar day-to-day is tough enough, so how can you know how much you'll need later in life? Learn to create a retirement budget now, so you will have money to last your lifetime.

Investment decisions you make today will affect your life and lifestyle for years to come.  Now is the time to do your homework, understand your retirement savings options and make a more solid investment in your future.