"In a season of lists, it only makes sense that retirement plan fiduciaries consider sharing a checklist for retirement readiness with retirement savers all over this (soon to be) winter wonderland.... [1] Accept personal responsibility ... [2] Be the ball (know your goal) ... [3] A marathon, not a sprint ... [4] Think in small steps ... [5] Think holistically ... [6] Create an emergency fund ... [7] Put stock in your future ... [8] Avoid loans ... [9] Do Nothing."