We all know that we should be planning for retirement, and in truth it isn’t a very difficult thing to do. And yet, for many of us, there is a strange reluctance to get the process started. When we are young, we may naturally think that there is plenty of time before we need to start to think seriously about retirement. When we are old, perhaps even nearing retirement, we may decide that it is too late to start saving, that there isn’t enough time to make a difference. Both of these attitudes are counter-productive and are related to…