You, You’re The One
Aches and pains come and go, but your retirement is a one time event.
You are ultimately responsible for your retirement. Your financial planner, employer or brother-n-law are not. Your retirement is important to you, not outside, third-parties.
Everyone has financial advice; they all seem to know the best place to invest your money. They mean well, but it’s still your money. The best financial advice is to take the advice but then do your own follow-up research before investing.
You get one chance to invest enough money to afford retirement, don’t waste the opportunity.