If you’re within 5 years of retirement, there are a handful of easy “thought exercises” you must do that can make or break your retirement plans.

You’ll see how powerful these are in a second.

The problem is, many people put them off, thinking, “I’ll get to that later … it doesn’t matter right now.”

Years later, they finally make the time to address them because they have no choice. By then, it’s often too late.

Don’t fall into that trap.

See, I’ve found there are 3 essential pillars to a successful retirement plan.