How to look and feel younger: 52 total pages.

That still won't be enough for a "comfortable" retirement. If you have children in college have them begin to shoulder some of the expense. If they have not yet begun college, have them attend a local school and live at home for two years. After than they can transfer to a private university and take out student loans to pay for it. This alone can save you over $100,000 per child over four years. Downsize your family home. Chances are, if you have lived in your home for more than five years or so, you have substantial equity. Selling that home and moving to something smaller will release that equity that could be used to help finance your retirement. Using the same figure of 8%, if you realize $150,000 in equity invested over ten years you'll end up with $333,000. Whatever you do, create a diversified portfolio and don't chase rainbows! The time for conservative investment is now. An allocation for someone who is close to retirement is 70% stocks for future growth and 30% bonds for current stability. Divide the stock portion between large, mid and small cap funds.

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