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Foundation of a Happy Retirement Isn't Money  HUNT VALLEY, Md. (
TheStreet) -- One would believe that the "foundation of
retirement" is Social Security or a pension. Some may say it is
the three-legged stool of Social Security, pension and savings.
The reality is that the foundation of retirement is the same for
all financial planning regardless of where you are in life:
"What you think about money will determine everything you do
with and for money."  I have been in the financial advice
business for 33 years, and for the first 15 of those years I was
frustrated. I seemed to always give good advice, but I was
getting mixed results.  Money is no more powerful than the
ancient idols that have been worshipped throughout history.  One
person was aggressive on tax deductions, the other conservative.
One person was an aggressive investor, the other conservative.
One bought all the insurance they could get their hands on, the
other never bought it.  Ne