In his new book, Retirementology: Rethinking the American Dream in a New Economy (FT Press), Dr. Gregory Salsbury merges investor psychology with retirement planning in the aftermath of what is hopefully a once-in-a-generation financial crisis. By examining our entire relationship with money, Dr. Salsbury helps readers identify common mistakes in their thinking and behavior, while also explaining how the market meltdown has amplified the impact of those mistakes.

Being aware of the biases that influence your saving, spending and investing habits can help you avoid psychological traps that could derail your retirement plans. Review this table which provides a quick reference guide of some of the most common destructive financial behaviors and their potential retirement consequences. For each behavior, Dr. Salsbury offers a "Retirementology Rethink" that can help you address each behavior.

Just knowing what these biases are and how they may affect you in both the short- and long-term can go a long way toward helping you make the most of your financial plans for retirement. Planning for retirement is a lifelong commitment. You can take the first step by making a few small changes in your financial perspective, behavior and habits. Over time, these small changes may make a big difference in determining how you spend your Golden Years.

Gregory Salsbury, Ph.D., is executive vice president of Jackson National Life Distributors LLC (JNLD) and author of Retirementology: Rethinking the American Dream in a New Economy. For more information or to purchase a copy of the book, please visit http://www.retirementology.org/. Retirementology is also available through online retailers such as Amazon.com and Barnes & Noble.com, as well as local retailers nationwide.