Too Soon Old, Too Late Smart

Retirement Strategies and Avocations

have become accustomed when you decide to retire.

This is mainly due to inflation. Anything you enjoy

doing, such as hobbies, writing, art, or crafts can be

worthwhile avocations.

Bob Wright, Judsonia, Arkansas

Family interests can be avocations. Working for

others: church, social, political-not for pay, for the

cause. Stay active in sports. I'm 43, and I still play real

baseball in an over 40 Men's Senior Baseball League.

Still being able to function at a competitive level at this

age is really a personally gratifying thing! Save more

via qualified retirement plans from the first day out of

college. This is difficult because there never seems to

be enough money to meet the day-to-day financial

pressures at each stage of your life.

Max Reiboldt, Alpharetta, Georgia

Accumulate land holdings and liquidate when the

proper time comes. I couldn't afford insurance due to a

physical problem. When the liquidation occurred,

others could get to it and much was wasted. Have a

plan, and let the family understand it; then go for the

goal. Plan for a quality retirement. Carpentry, furniture

refinishing, mechanics, and food preparation; all of

these will assist in home life and budget supplement.

Bob Little, Abingdon, Maryland