Should you find yourself using the phrase "If... Then... " a lot when planning your retirement, you might not have your priorities aligned correctly. Think about it. Every time you use "If... Then... " you are prioritizing. So when we say: "If I get a bonus, then I'll fund my 401(k)." Or: "If my child gets a scholarship, then I'll fund my retirement account." There are many examples of how this delaying tactic is used. As we think this way, we are actually making it quite clear where retirement planning is, in terms of its importance to us.