Do you have a financial plan for your retirement?  Do you need one?  What exactly is a retirement plan, anyway?  If your answers to these questions are a bit vague and uncertain, read on!  This post will lay out why you need a plan for the years after you stop working (yes, you should have a plan), and how to go about creating one.   The good news is it’s not that hard to do.  In fact, if you’ve been reading my posts until now (and, of course, following up on my recommendations!), you’re 80% of the way there already.  This post pulls the pieces together into a single whole; eight…