to get a job. If you're one of the fortunate, you have the option to continue your education and

postpone the reality of growing up. Now let's assume you've found that so-called dream job,

paying your dues with hard work and late nights, not to mention weekends and holidays. After

twenty to thirty years you're up for retirement and it sounds inviting. Now most employers offer

a retirement package that allows you to stop working and still bring home seventy percent of your

current income. As stated, "Five Steps to a Great Retirement" (Money Magazine 1999), "No

matter how far you are from retirement, you know that the alternative to work is no longer

napping on the verandah. Back in the days when it was, financial advisers routinely said you

could retire comfortably on seventy percent your working income - figuring you were thirty

percent dead." So how much money will you need when you retire? In the following pages there

is some helpful information you will need to make the "Golden Years" truly golden.

Education is the single most important tool in planing for your future, the earlier the

It is essential that children take these classes. Sixty percent of high school students have

information needed, yet their spending habits, are very similar. Considering that nearly thirty

totals can jump from week to week. But obsessing over every blip in the market could drive you

started to withdrawing wisely. Let us take an overview of the suggested five steps involved in

holders carry a debt from month to month."

percent rely on credit card budgets, this could pose a problem. Considering that most of the card

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Approximate Word count = 1853
Approximate Pages = 7 (250 words per page double spaced)