When was the last time you talked about money with anyone?

If you’re like most folks, you’re not having these conversations much, if at all – and you’d rather talk about death or politics than money. Sound familiar?

Small daily talks about money can touch on retirement dreams, funny money lessons, or some new financial fact you’ve learned. That’s just one daily action that could be hugely rewarding in the big picture.

How much greed or fear is driving your financial choices? That’s not an easy question to answer, partly because we may not even realize when greed or fear is really behind our money moves. If you’re thinking, “That’s not me! That’s a problem for other investors,” think again — and take a look at how fear and greed played into some of the market’s most recent bubbles and busts.

What do retirees fear the most? It’s not death. It’s running out of money.

And guess what retirees’ biggest regret usually is? It’s not saving enough for retirement. How can you possibly address both in one move? By having the right retirement plan — and by knowing what it takes to live on your nest egg’s returns, instead of the principal.

What’s your success rate with your financial goals? How often are you accomplishing them — and how often do you let yourself down?

If you’re like most folks, you don’t have the best track record.

A lack of willpower or forces out of your control, like getting sick, could be to blame. But we can also fall short of our goals when we don’t set the right objectives for ourselves — and when we don’t have a great plan for achieving them. That can be frustrating and make it feel like we aren’t making any progress. And we can easily break free of that just by looking at a basic list of goals.

Wherever you choose to retire, the reality is that you’re not bound to stay there forever — and there can be some very good reasons to relocate as you enter different phases of your retirement. If you know what to consider when it’s time to make a move, you can make a more informed decision and a much better choice.

Find out how you can be proactive about protecting yourself and setting yourself up for a fabulous vacation.