Can we afford to retire? – Alice & Frank had always lived below their means.  While their neighbors always had the new cars, they didn’t mind buying used.  They work their 9-5 jobs and consistently saved in their retirement accounts.  As their kids have left the nest, they are turning their attention to answering the difficult questions of can I afford to retire and when? 

I want to make working "optional" ASAP! – Colin is a relatively young saver but decided after graduation that he wanted to make retirement optional as soon as possible.  He has paid off all his debt and has been saving over 50% of his paycheck each month!  He thinks he has a sufficient investment account to meet his long-term goals, but he is concerned about his savings lasting for the remainder of his extended retirement.