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Danny Kofke is currently a special education teacher in Georgia.  His love of teaching and finances led him to write the book "How To Survive (and perhaps thrive) On A Teacher's Salary." A lot of people think that figuring out financial matters and investing are difficult and are intimidated by it.  I want to show others that if this 35 year-old school teacher can figure it out then they can too. How many people wait until there is an emergency until they realize they need an emergency fund? How many people wait until they hit 55 before thinking about how much money they need for retirement? Early retirement planning is a second thought in society today! Here are a couple of sobering statistics to show how ill-prepared many of us are: According to The Wall Street Journal, nearly 70% of consumers live paycheck-to-paycheck.According to USA Today, due to a lack of savings, 60% of the 77 million baby boomers will not have the means to support their current standard of living when they reach retirement.According to a 2008 survey by the National Foundation for Credit Counseling, roughly 76 million adults say they do not have any non-retirement savings. Of those who do have a cash fund, 61% don’t have enough to cover 3 months of income.28% of Americans spent more time watching reality tv last month than they spent planning and preparing for retirement over the past 10 years. Pretty surprising, huh? The sad thing is I was not too shocked by these. I still see people who were living paycheck-to-paycheck only 6 months ago revert back to their old ways once they started making money again. If you live in an area where it gets cold, it will probably snow at some point and you need to be prepared. If you live in a house long enough it will probably need some repairs. If you live to be 65 (most of us plan to), you will need money to pay for your expenses. Start preparing now so your life does not come to a stand-still when that storm comes.