Posted by André Nosalsky :: June 27, 2007 @ 4:33 pm

You might not realize it, but right now you are sailing on one of three financial ships. What are these ships? Where are they headed? The three ships are ships of your retirement. Where they are headed is a decision that you have made, consciously or as a result of the circumstances.

Let's look at each ship in detail to help you determine what ship you are on and what final destination it will lead you to.

The Work Ship – This ship will sail as long as your health can support it. Most people don't plan on being on this ship forever. They think that somewhere around age of 60 they will be able to get off this ship and end up on a sandy beach with a beverage, but this usually does not happen. The people that are on the Work Ship have no choice, and end up working in the steam rooms until the world retires them.

The Investment Ship – When you are on the Investment Ship, your money is working hard for you. To get onto the Investment Ship, you have to make an active decision to do so. The first step to get on this ship is finding out where you are now, so that you'll know where you can go and what the possible final destinations are.

After you have made your decision, you can board the Investment Ship and put your money to work for you. There will come a time on this ship where you will no longer have to work, because your money will be able to do the work for you. This ship provides for ultimate security for retirement and is the safest ship of the three.

The Charity Ship – This ship comes from the same shipyard as the Work Ship. Many people never plan on being on this ship, but they end up getting a free ride. The Charity Ship accepts all those that didn't think about their finances, procrastinated, and never established goals.

The Work Ship, Investment Ship or Charity Ship – which ship do you want to be on? Start working on your finances now, so that eventually you end up sailing into the sunset on the Investment Ship.