Start From Scratch 鈥� Even when you're 50!

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Map Out A Retirement Plan
With life a turbulent mess today, the future may seem all but irrelevant. It's not. As soon as you get on your feet, sit down and map out--in writing--where you want to be five or even 10 years down the road. How much do you need to sock away for retirement? Will you eventually move to a warmer clime? Do you need a plan for long-term care?
To get started, consider setting up a consultation with a certified financial planner; you can find them at napfa.org, Web site of the National Association of Financial Planners. Beware, though: Not all planners are worth your time. Vet their track records at sec.gov (Web site of the Securities and Exchange Commission) or at nasd.com (home of the National Association of Securities Dealers). Remember: Deal with the hard retirement questions early--the answers get even tougher as the years tick on.

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