<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML style="FONT-SIZE: x-small; FONT-FAMILY: MS Sans Serif"><HEAD> <META http-equiv=Content-Type content="text/html; = charset=iso-8859-1"> <META content="MSHTML 6.00.2900.2722" name=GENERATOR> <STYLE></STYLE> </HEAD> <BODY bgColor=#ffffff> <DIV>"...it appears I will be tuning pianos 'til the day I shuffle off = this mortal coil ..."</DIV> <DIV> </DIV> <DIV><FONT face=Arial>Lucky you. My assumption is that I'll need to = continue working long past when I'm dead.....   :-(</FONT></DIV> <DIV><FONT face=Arial></FONT> </DIV> <DIV><FONT face=Arial>Terry Farrell</FONT></DIV> <BLOCKQUOTE dir=ltr style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; = BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px"> <DIV style="FONT: 10pt arial"> </DIV> <DIV> <DIV>I have retirement income envy. I changed jobs so much as a = younger person and have been self employed for so many years and not having been a = very good money-saver, it appears I will be tuning pianos 'til the day I shuffle = off this mortal coil ...</DIV> <DIV> </DIV> <DIV>Younger folk, learn from my story: Save, invest. And, for my 2 = cents worth, pray for a more fair Social Security system.  In fact, get = ahold of your congresspersons and DEMAND the same retirement plan THEY get! = THEY aren't paying into SS. Heck no, they have the sweetheart deal of all time.  ..... But they want you locked into the current mess. Figgures.</DIV> <DIV> </DIV> <DIV>For those who are on SS and still working, did you take it at 62 = or 65 or what? I don't know how to figure out which is the better way to = go.</DIV> <DIV> </DIV> <DIV> <DIV>Alan Barnard</DIV> <DIV>Salem, Missouri</DIV></DIV></DIV></BLOCKQUOTE></BODY></HTML>