You can always do your own thing, of course, as you are given up to six months to drive your car around Europe.

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If you just need a leg up so you can do your own thing, we will be there for you helping if that is what you guys want.

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Second, see if your plan has a contribution rate escalator, which allows you to have your contributions slowly raised periodically until you reach your target contribution rate. (Of course, it only takes a few minutes each year to do the same thing manually on your own.) Going from 6% to 15% (which many retirement experts recommend as a target saving rate) may sound impossible, but how about a 1% increase?

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To try and do it on your own is not a good thing.

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Only time will tell, but one thing is for sure: if you do not control your own destiny, you put your future in the hands of a stranger.

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One final thought: One thing that tour operators can do that is tricky on your own is sell you a guaranteed tee time on the Old Course at St.

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The most gratifying thing is when the result is better than what you could do on your own.

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Because in the current chaotic state of conference realignment in college sports, the only rational thing to do is stay one step ahead of the competition and look out for your own best interest financially.

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