Make sure your retirement planning goals are realistic. Don't lust for what you can't have or can't achieve because you might put too much at risk in the effort to get it.
Say you currently have $1 million in your 401(k). If you tell your financial planner you want $5 million in three years so you can retire, "you're lusting after an unrealistic objective," says Warren.
"Investing is not wishing for something you don't have," he says.
Use this retirement planning calculator to create a realistic plan.