Last week, Matt posted Many Workers Blindly Optimistic About Retirement. Among other facts, it included a survey result that only "55% of today’s workers are somewhat or very confident about having enough money to live comfortably through retirement." That means 45% aren't. The article gave some helpful suggestions for those still in the workforce to help them have a worry-free retirement, financially speaking. Let's see if we can add to that.

If you've looked through our April issue released Friday, you likely noticed the cover article Are You Making Any of These Common Investing Mistakes? Blog readers may recognize portions of that article originated right here, gathered from the many comments we received to my February 17 post. That worked out so well, and the current article is so potentially helpful to our newer readers, that I'm back for an encore. I was inspired to do so by Retirement Living: Biggest Retirement Regrets from USA Today recently. Here's the intro:

There are few things in life that let you do a do-over. Retirement is not one of them. So, if retirees had an opportunity to do something differently to prepare for their golden years, which mistakes would they correct? Financial advisers, asked about their clients' biggest regrets, had a bunch.

The article goes on to provide a laundry list of the "biggest regrets" shared by the retirees they sampled. This was similar to what we had done recently but with a twist: Only comments from retirees were solicited. This brought a new range of possible topics into prominence—decisions regarding Social Security, Medicare, long-term care insurance, when to tap one's retirement accounts and to what extent, changes in housing or city of residence, and living expenses in retirement, to name a few.

Calling all SMI retirees! This is your chance to show some compassion to the generation coming behind you—pass along some of your "lessons learned the hard way." From the vantage point of one now living in retirement, and dealing with retirement-related issues such as those listed above, what would you do differently if you could? What would you do if, as the article suggests, you had a retirement-planning "do-over"?

There may be some overlap with regrets mentioned in the April article, but that's okay. Share them anyway. It would be interesting to see which regrets tend to be universal and timeless. And if you're a retiree who participated before, feel free to participate again, perhaps with a different living-in-retirement slant. If enough of you pitch in, this has the makings of a fine Level 4 article down the road. Thanks in advance! Looking forward to hearing from you in the Comments section.