Baby Boomer's - What do we do with our lives? We get an education (or not), get a career (or not), have a family…you know the drill. All the while, looking ahead, living for later, planning, scheming, hoping and praying that we can come up with a solid strategy to not have to work in a job that we hate, live an “average” life; looking forward to collecting a small pension or even worse, social security. According to recent Social Security Administration data there are some 48,000,000 people currently collecting benefits! 32 million of those are current retirees. The average current monthly benefit is around $996.00. 2007 was the first year that the oldest Baby Boomer's (born 1946) were eligible to sign up for social security benefits. There are only 80 million more to go!

I hope to provide a forum for exploring creative ways to live and prosper under the system that we currently have. Not everyone is a corporate executive, with millions of dollars saved for a luxurious retirement. Most of us are average working people, saving what we can, while working within the current tax and retirement system hoping that time and compounding will work for us - as in the brochures and data furnished by countless “investment advisers”, bankers and brokers.'