If you find yourself in a familiar struggle either with money or abundance in general, spend some time remembering all times in your past when this same situation occured. Carefully, in your mind, reconstruct situation. Go through reporter's list -- who, what, why, when, where and how, with your memories, and learn everything you can about that past situation. THEN, look at your current circumstances. How are they same or different? Are you getting idea? When we deconstruct all events and traumas that lead us into difficulties, we can learn and grow from circumstances and perhaps never have to re-live those bad times again. By learning, you are nourishing your soul. By learning, you are gaining wisdom. By learning, you are changing. By changing, you are learning... a beautiful and complete circle!

When difficult times show up in your life, remember that your soul is intact, but it is ego "weather"that is changing and it may be showing you a familiar old pattern. Learn what you can from storm. Let it wash out old beliefs, old patterns, old fears, and then wait for sun to come back. It always will, unless you stay in a low pressure system forever. Fortunately, this is something you can do about that!

Your low pressure system can become a high pressure system when you stop giving energy to trauma and begin giving energy to perfect condition you wish to experience. Instead of feeling bad that you don"t have enough money, or that your relationships are not working, remember how good it feels to have plenty. Remember how good it feels to walk taller and breathe easier. Re- member means to put those memories into your body. Let your body FEEL life as you want it. Feel sun on your face, feel your ease with money, feel your sense of safety. Feel what it is like to experience changes with confidence of knowing that this current weather pattern shall pass and another one will take its place. Above all, be ready to turn, learn and grow with each and every storm. This is truest state of grace you will ever know, as you walk tall and smile through storm. You can do it because you know that you are part of universal flow of life and God?s love.

Shara Gardner, author, teacher and spiritual practitioner, is a creative muse and intuitive teacher. She specializes in helping others identify their passion and tap into energy grid that connects us to all sentient beings. As a strong supporter of world peace through personal empowerment and spiritual awakening, Shara helps reveal inner muse who will guide and motivate you to achieve life you desire. Working with principles of financial abundance, gratitude, generosity and self-love, Shara teaches how to "romance your life" by fostering passion, creativity, spontaneity and personal strength.

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* Roll your money into an individual retirement account when you retire (my comments on this later). Eight retirees who left their assets in one of four affected plans were receiving monthly checks from their accounts until plan was frozen last spring amid investigation, said William Whitmire, company’s director and Plan’s trustee. “Some of them are really desperate, but there’s nothing that can be done until insurers come to agreement,’ he said.

* Make sure you are getting all your statements, and force yourself to reconcile them. The amount deducted from your paycheck should match amount deposited into your 401(k) account.

* The trustees of four Atlanta-area plans were supposed to get regular statements from both retirement-plan administrator and custodian of plans’ assets. The trustees of two hardest-hit plans didn’t get their custodial statements regularly, because they were sent to other addresses. When trustees did get custodial statements, they didn’t review them.

*Don’t assume that you will receive a heads-up from your employer or plan custodian. As alleged fraud in Atlanta began to unravel, federal agents showed up at Whitmore’s office with a stack of about 75 forged checks made out to people ‘he never heard of,” he said. He claims that plan’s custodian didn’t call to make sure checks were authentic.

As I was reading this article I couldn’t help thinking about old adage ‘No one cares as much about your money as you do.’

And here’s crux of this whole article:

You do not have to wait until you retire before moving monies from your 401(k) Plan into an individual IRA. There was and is a law which was passed in 2002 which allows you to transfer any after-taxed dollars and company-matched dollars out of your 401(k) plan into an IRA (with no fees or penalties, and no matter what your age). I have been doing this while still employed with my company. I have built my own mutual fund, using monies that have been transferred from my 401(k) into an individual IRA.

If you get nothing else out of this article, let it be that you will contact firm your 401(k) monies are with, and find out your available options.

To read Preface from book ‘The Stockopoly Plan- Investing for Retirement’ visit: http://www.thestockopolyplan.com