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Now is the time of year when many of us have vacation on the brain. After feeling slightly cooped up by the winter cold, you may find yourself dreaming of lounging on the beach cozying up to a good book and a pina colada. But if you’re within 5 years of retirement, taking a slightly different approach to your vacation may be a wiser use of your vacation time.

I recently read The Behavior Gap by Carl Richards. It’s an enjoyable read, loaded with good, practical advice and the type of rational common sense we all should possess. While I don’t think Richards is saying anything you haven’t heard before, especially if you been a long time reader of Kim Snider and Snider Advisors’ blog, he does say it in an interesting way.