Retirement concerns are on the minds of many Americans. According to the National Institute on Retirement Security, a non-profit research and education organization that recently conducted a survey on the subject, 83 percent are concerned that current economic conditions will affect their retirement. Additionally, 70 percent believe it is harder to retire today than it was for previous generations—and many are planning to remain in the workforce longer as a result.

As children, we spend time daydreaming about becoming princesses, pirates and lion tamers. As we become adults, our fantasies take a more realistic turn—we imagine getting married, finding the perfect job, maybe taking a yearly vacation. Some of us even daydream about inheriting a large sum of money—and that’s a dream that very possibly could come true.

When you think about psychopaths, individuals like Jeffrey Dahmer, Ted Bundy and Dexter likely spring to mind. However, most employees who fit the psychopath profile are not serial killers, mass murderers or notorious criminals—though they share a number of similar characteristics, all of which can make them nightmares to work with.

Benjamin Franklin, famous founding father of the United States, once wrote, “In this world nothing can be said to be certain, except death and taxes.” Unfortunately, despite its certainty, far too many Americans fail to prepare for their eventual demise—and they leave their families to pay the price. In fact, according to the Life Insurance and Market Research Association (LIMRA), while 85 percent of consumers agree that they need life insurance, only 62 percent have actually purchased a policy.

Do you include employee training and development in your benefits package? You should—research has revealed that workers consider such benefits when deciding whether to accept a new position or stay with their current employer. In fact, one study conducted by The Society for Human Resource Management discovered a direct correlation between employee turnover and development opportunities—or the lack thereof.