This is a good time to mention that I am retired from a local government position and get a pension plus medical benefits, but it is just not enough to cover expenses these days. Fortunately, I invested in other things (real estate, art, collectibles) and have other money streams to make it work. I went back to consulting to continue doing what I love to do, learning and helping others. The bad news is that gasoline will reach $3.00 a gallon, elderly care will outstrip anyone's retirement, and the dollar will devalue. This is how it has always been. My father retired as a GS-15, but devaluation of the dollar made it seem like he was a GS-7 by the end of his life. I doubt seriously 401K, Roth IRA and pensions will make for a comfortable life by age 75 for some of our colleagues. Ron May Legacy 106, Inc