RE: Retirement How does your ideal retirement differ from reality, and what can we do to better align the two? Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content When Do You Need a Will? When do you need a will? The answer is easy: Right Now. Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works. Infographic: Personal Finances Are Like A Game of Golf What do golf and personal finances have in common? A lot of things, but the key is confidence.