Building a pre-retirement nest

Source: Susan Reimer, Baltimore Sun (Free Registration)

My husband and I paid our annual visit to the financial adviser who watches over our undoubtedly inadequate retirement savings, an appointment that is not unlike those with the dentist: necessary but never fun.

During our meeting, I proudly listed the home maintenance projects I had undertaken as our retirement approaches — painting the interior and the exterior of the house, replacing the fence, updating the kitchen a bit and having the appliances and heating and air-conditioning units checked to see if I need to buy new ones.

Better to pay the cost of those chores while we are still collecting paychecks, I said, instead of taking the money out of savings once our time in the shrinking world of newspapers comes to an end.

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