The author has always struggled to plan for retirement. Courtesy of Emily Achler In my 20s and 30s, I tried to live in the present and ignored retirement planning. Now that I'm about to turn 40, I've started contributing to a 401(k), but I'm behind. I still have to combine my past retirement accounts, but I'm fighting retirement planning paralysis. I'm 39, and my retirement plan is haphazard, chaotic, and borderline nonexistent. I feel a lot of shame around this fact because I should know b...