Don't procrastinate any longer. This book will give you the reasons and tools to start saving for retirement. Considering the current economic downturn, we can't rely on the government or our employers to take care of us. WE have to take care of ourselves. Armstrong deciphers the complex world of IRAs, 401Ks, 457Bs, DB/DC plans - all in easy-to-understand terminology. The book includes suggestions for those early in their careers, those close to retirement and folks who are retired and need to maximize their investments. One of the helpful features is the link to his web site that provides a multitude of financial calculators that help with savings & tax planning. I found them easy to use and pretty accurate in predicting future savings and investment needs. It's never too late (or too early) to starting planning for your retirement!