This committee print provides workers with a general overview of the steps involved in planning retirement income and encourages them to start laying down concrete financial plans now for their retirement years. It begins by outlining a framework for planning retirement finances. These specific steps are discussed: gathering information on current income and expenses, developing a budget, developing a statement of net worth, estimating retirement income and expenses, and planning a retirement budget. The following sections of the booklet familiarize the reader with the various sources of income in retirement. They cover anticipation of retirement income from social security, private pensions, veterans' benefits, and other sources; insurance; investment strategies and types of investments (savings accounts, Individual Retirement Accounts and Keoghs, bonds, stocks, mutual funds, collectibles, real estate, home equity conversions); medical insurance; and employment after retirement. A section on estate planning discusses joint ownership, trusts, power of attorney, wills, and letter of last instructions. Finally, a list is provided of the most frequently consulted types of advisers and their main areas of expertise. A bibliography of nine helpful books and pamphlets is appended. (YLB)