Michael Farr
President of Farr, Miller & Washington

"Start Now. Figure out what you have, what you will need and how you will get there."

Jane Bryant Quinn
Newsweek Columnist

"Get rid of debt. If it's hard to pay off debt today it will be even worse when your paycheck stops."

Manisha Thakor
Financial Advisor

"Don't try to keep up with the Joneses. It's human nature to look around at friends and neighbors but your best bet is to keep your blinders on. Decide what YOU can afford based on YOUR income and YOUR savings goals. And don't let the activities of your peers tempt you to sway from that course."

Bob Frick
Senior Editor at Kiplinger's Personal Finance

"Start planning for an "encore career." Find something you enjoy doing where you can make some money, so you'll have extra income in retirement if needed. We're also finding that many baby boomers lead happier, healthier and longer by staying engaged off the golf course."

Ric Edelman
Money Manager

"Make sure your investments are properly structured to be able to withstand anything that happens. If you don't have a properly diversified portfolio, now's the time to make one."