It's the day most people dream about: retirement. Here are three ways to make sure you have enough:
1. Don't panic when the market goes down. Suze says the most important thing you can do in a bad economy is to stay calm—especially if you have at least 10 years until retirement. "There's a big difference between 29 and being 56," Suze says. 

2. Keep investing monthly in your 401(k) or IRA. "Guess what? Your money buys more shares. The more shares you have, the more money you're going to make by the time you are your mother's age," she says.

3. If you need the money within five years, take it out of stock market. Another important idea Suze emphasizes is that any money you will need to spend—on a house, on college tuition—within the next five years must be invested conservatively. "That is not money that belongs in the stock market," she says. "It never has. It never will. The money that's in the stock market is money that you don't need. ... Because [to be in the stock market] you need time on your side so that when something like this has happens and the market goes all the way down, it [has] time to recover."

Should you continue investing? Use this calculator to find out!
FROM: Best Life Week: Your Money Plan 2009
Published on January 15, 2009