(CNN Money) — With stock returns projected to be low and pensions going the way of Lindsay Lohan’s career, retirement planning can seem awfully daunting these days. You can’t change the market or your employer’s largesse.
But there is one factor you can do something about: you. You can be your own worst enemy, buying what’s hot only to sell in a panic or wildly overestimating how long your money will last.
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