I know this is an emotionally charged subject, but nevertheless, a discussion about your personal finances it is a vitally important one to have. Are you financially independent? I know - I can hear you laughing. But this is serious -- can you pay your bills this month? Have you set up your retirement plan?

Some women think that someone else in their lives will take care of their financial needs as they age, but clearly, that's not always the case. Women need to be personally responsible in the creation of their financial arrangements. If you don't have a retirement plan in place, there is no time like the present to get one started. Remember..as wonderful as they can be, a man is not a plan! Whether you're married or single, whether you're a stay-at-home mom, or if you work multiple jobs, planning for a comfortable retirement is a vital activity that begs your attention.

Don't know what to do? Here are some pointers to get you started.

1. Start a savings account, and save as much per month as you can.

2. Open an IRA or 401(k). If your employer doesn't have a 401 (k) program, lobby them to change their policies.

3. Seek the advice of a financial advisor.

4. Create an investment strategy that works for you. One example, is Freed Funds - a fund that can simplify your retirements investments.

Check out Women's Finance for more suggestions, and get started on your retirement plan now.