Retirement planning is no day at the beach. But it doesn't have to be a miserable experience either. It usually just takes a little thought, a little time, and then a lot of automated action (like payroll deductions and dollar-cost averaging). Then, you occasionally check in on your plan to ensure it still makes sense for you, and that you're still on track.

Here's a rundown of the six biggest blunders that could readily derail even the best-laid retirement plans.

It's certainly fun to dream about winning a lottery jackpot. Let's be realistic though -- it's very unlikely to happen. The odds of winning any Powerball drawing are one in 292 million. For Mega Millions, your chances of taking home the big jackpot are one in 302 million. You're (literally) more likely to be struck by lightning. Those odds? An alarming one in 15,300, according to the National Weather Service.

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Source Fool.com