Planning for Retirement   I’ve said before that I am not a financial advisor.  But I have learned a few things along my path.  It is very important to save something for retirement.  I am a firm believer that we are the makers of our own destiny and as such we are responsible for the planning that takes us to that destiny.  That said, I have always been a bit skeptical about the reliability of Social Security benefits by the time I reach that golden age.  So I have taken some steps to make sure there is something in the coffers when I need it.    Tip #1:…