If you are lacking motivation and direction with regards to investing for the future then answer these 3 questions:
1. What will your income needs be in retirement?
2. How much are you prepared to contribute to your retirement whilst you are working?
3. How long are you going to work for?
Generally your answers will be that the time you have left working and how much you are prepared to or are capable of saving will not accumulate enough asset to generate enough income to support the life you want to live in retirement.
Then you need to be honest with yourself and face the fact that the only way to try and solve this problem revolves around the following strategies:
1. Save more
2. Work longer or harder
3. Adjust your investment philosophy
or you will just have to be prepared to retire with less and not be able to live the life you want in retirement.
There is no magical answer no matter how many guru's tell you there is.
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