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    Introduction                                                                                                                               1
    Chapter 1     What Is Retirement Worth to You?                                                                        3
    Chapter 2      Is Retirement Really the Answer?                                                                        23
    Chapter 3     Can You Achieve Financial Independence?                                                          35
    Chapter 4     What Do You Need to Know About Investing?                                                   59
    Chapter 5     How Can You Live on Less?                                                                               87
    Chapter 6     How Much Do You Need in Retirement?                                                           101
    Chapter 7     What Can You Expect from Social Security?                                                      121
    Chapter 8     What Are Your Other Sources of Retirement Income?                                        139
    Chapter 9     How Can You Get Early Access to Tax-Deferred Plans?                                    171
    Chapter 10   How Can You Get Health Insurance?                                                                 179
    Chapter 11   How Can You Minimize Taxes?                                                                         219
    Chapter 12   What Happens If Your Retirement Plan Goes     Wrong?                                    225
    Chapter 13   How Do You Develop Your Personal Plan?                                                       245

    Appendix A    Life Expectancy Single Life                                                                              278
    Appendix B    When is Your “Full Retirement Age” for Social Security?                                  279
    Appendix C    High-Risk Health Insurance Pool Contact Information                                       280
    Appendix D    State and Local Tax Comparison Worksheet                                                    289
Who Said You Need Millions?
Retirement Strategies for the Rest of Us

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