This booklet is designed to guide readers through the different stages of retirement planning, starting with goal setting. It is suitable for personal use by adults or for classroom use in junior high through adult consumer education classes. The booklet explains how to determine one's current financial status as well as how to estimate retirement needs and develop a strategy for meeting them. Also discussed are the various retirement savings programs available to individuals, whether self-funded, employer-provided, or government-paid. Finally, the subject of medical insurance is covered, followed by a brief section on wills and estate planning. Specific topics covered by this guide include the following: retiring to financial independence; preparing for retirement; your retirement strategy; employer retirement programs; individual savings plans; government retirement programs; individual savings plans; government retirement plans; health-care programs; and handling your estate. A glossary of terms and a list of organizations, books, and pamphlets are included in the guide.