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When you’re in your 20s, you’re probably just starting out in your first job and concerned with making a good impression. Even if you might still be living with your parents, buying a new wardrobe, going out to fit into your new environment, enjoying your independence will become paramount concerns, rightly or wrongly.

Carnival of Financial Planning - August 30 2008 Edition Welcome to the August 30, 2008 edition of the Carnival of Financial Planning. The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families.

You are in a ghastly faux courtyard surrounded by columns of concrete and imitation marble. There is a fountain here. An archway leads to a small glass door way. There are exits leading to the east, west, and north. There is a sign. You are wearing Mickey Mouse ears. People stare at you oddly.

In every financial planning class I need to do a post lunch session. To keep them awake I ask them to do a simple exercise - calculating how much money they require for retirement. Unless they are at least 32-33 years of age, they have no clue as to how much they need for retirement.

Carnival of Financial Planning - August 23 2008 Edition Welcome to the August 23, 2008 edition of the Carnival of Financial Planning. The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families.

CPC Financial Planning takes a personal approach when beginning your financial planning. Every client receives an initial free and personal consultation that outlines your needs, goals, objectives, and dreams for the future. Your CPC advisor will ask questions as well as answer them.

While it can seem very difficult to put money away each month for retirement or savings, not doing so can leave you with a lifetime of living paycheck to paycheck with no possibility of retirement. Just putting the money away, though, is not enough.

It is said that if you want to manage something (Girl friend, Money, Relations, etc), you must be able to understand them first. In other words, if you can’t understand them properly, you really can’t manage it well. Your personal finances & tax also falls within the above concept.

In a recent post, I promised I’d get David Shafer over here to give you some ideas about what a real estate investor might do with cash flow, both before and after taxes. Dave not only stepped up to the plate, he’s knocked another one outa da park.

While you're saving for retirement -- and you are saving for retirement, right? -- you'll also want to keep in mind that "feeding the pig" isn't the only issue that will impact your retirement finances. Deciding (a) when to retire and (b) when to start drawing Social Security benefits are becoming hugely important considerations, according to this Money Management column.