Unfortunately, money is more often misused and abused than used intelligently. Most people haven't figured out how to use money wisely to truly enhance their lives. Most, it seems, act rationally with their money only when they can't dream up any more irrational ways to spend it. To be sure, financial insanity has developed its own big following including you and me.

Early to bed and early to rise makes a person dull, boring, and despised.

Sex is Number 1 of my Top-10 joys in retirement. Number 2 is reading How to Retire Happy, Wild, and Free. I forgot the other eight.

If you believe that happiness can be bought, then why don't you try selling some of yours?

Two people look at the same Exercise above: One sees "Opportunity Is Nowhere" and one sees "Opportunity Is Now Here."

To fear retirement is to fear life.

The severity of your problems is a matter of perspective. Change your perspective and most of them become insignificant. Some of them will no longer exist as problems - but opportunities instead.