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The 60-plus set can't afford to retire More people say they just don't have the money to retire these days. Retired early ... and getting scared Question: I had the good fortune to be able to retire early at age 52, but last year's market meltdown has made me rethink the decision. I may still be okay, but I don't have the same level of certainty I once had. My question is this: How will Social Security be calculated for me and how does the fact that I haven't worked the last few years fit into the calculation? --Jack Ford, West Newbury, Mass. 43% say they have less than $10k for retirement The percentage of American workers with virtually no retirement savings grew for the third straight year, according to a survey released Tuesday. Stop squandering my inheritance! Getting old brings a host of changes. Achy knees. Way more time to play bridge. And, occasionally, the tendency to make unwise money decisions. Leaving your job? Don't forget your 401(k) Question: I'm in my 30's and have a 401(k) from a previous job, 75% of which is invested in a variety of stock portfolios. Although my stock holdings have recovered a bit recently, I'm still down about $7,000 from my peak balance. I'm planning to roll over this old 401(k) into either the 401(k) at my new job or into an IRA account, but I'm wondering whether I should do the rollover now while stocks are still cheap or wait until the market has recovered and then do it. What do think? --Todd Gerecke, Lynden, Washington |