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Many people carry their retirement concepts around in their heads.

They may imagine a luxurious recreational vehicle parked near a Florida theme park. Rounds of golf. Boating. Shopping. Taking a creative writing class. Gardening. Who wouldn’t look forward to such a future?

Smell that coffee?

Retiree wannabes need to indulge in some serious reality tweaking or their dreams will hit the wall faster than a roller derby queen on a greased track.

More from Bankrate.com:

  1. Put the Magic of Compounding to Work for You
  2. 10 Things to Do Before You Retire
  3. Make Retirement Savings a Priority

If you crave the rush that comes from having to cash in beer bottles to pay your mortgage, then here are a few strategies guaranteed to turn your retirement into one memorable financial catastrophe after another….9 ways to ruin your retirement

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