Foundation of a Happy Retirement Isn't Money

HUNT VALLEY, Md. (TheStreet) -- One would believe that the "foundation of retirement" is Social Security or a pension. Some may say it is the three-legged stool of Social Security, pension and savings. The reality is that the foundation of retirement is the same for all financial planning regardless of where you are in life: "What you think about money will determine everything you do with and for money."

I have been in the financial advice business for 33 years, and for the first 15 of those years I was frustrated. I seemed to always give good advice, but I was getting mixed results.

Money is no more powerful than the ancient idols that have been worshipped throughout history.