Other Financial Hazards
Death
Premature death can cause hardship for a spouse and dependant children.

Disability
A severe or long lasting disability can put extreme pressure on retirement goals

Disease
Think about driving along a smooth tarmac until you come to a grinding halt on a rocky patch of broken pavement.  Your life goes on hold for an indeterminate time until you get past this hurdle.  Often it is manageable but it places a major obstacle in the building blocks of your future.

Divorce
Financial difficulties are the number one cause of marriage breakdowns facing married couples today.  Retirement assets could be the largest financial asset in a marriage so it is critical to review your assets both before and after a divorce.

Lack of Financial Education 
Few people receive even a minimum amount of financial education upon leaving high school or college, relative to areas of personal finance; setting a budget, balancing a checkbook, buying a home, evaluating a mortgage offer, comparing credit card offers, comparing investment alternatives, evaluating a will or insurance requirement or planning for retirement.

Lack of Investment Choices
Too often we are lead to believe that safety lies within our borders and we limit our choices in order to reduce the risk, looking farther into the horizons offers a larger pool of opportunity.

Late Start
Tragically too many people simply drift through life waiting for a “door to open” to let them know how to make the most critical decisions in their life and they lose the luxury of time to grow their assets causing them to play catch up in their later years.

Legal Actions
Far too often our daily life is interrupted by unexpected events that halt us in our tracks and pits major hurdles in our way.

Low Investment Returns
No roadblock is more severe than low returns for we soon realize that we are headed no where and often take a turn in the road which is only a detour.  Getting back on track means reassessing the direction in which we are headed to determine ones ultimate destination.

Long Term Care
Health care at home or in a health-care facility or a nursing home can be costly.

Raising children
Having children may alter your major financial goals, but should not eliminate them.  Retirement plans should not be eroded for a child’s college education.

Repairs, Emergencies and Rainy Days
One cannot plan for repairs, emergencies or rainy days, they simply happen and must be dealt with when they occur, but they need not railroad us off the track completely. 

Unemployment
Unemployment erodes self-esteem more quickly that any loss of income causing a backward step in our progression or even a complete halt.  Not only is one required to rebuild financial reserves but rebuilding self worth is a more threatening task.