Are you wondering how much money you will need to retire? How important downsizing your lifestyle will be? How the slump in the house marking affects your retirement plans? Or, how to choose a community where you can take it easy and enjoy life?

Our guest today will tell you some things that will make you feel better about the years to come and may even change your life. Only a few years ago, the question on many Americans' minds wasn't 'how will I retire' but 'when.' Now, with 401(k)s and IRAs at a fraction of their previous value and health-care costs soaring, it's time for a definitive guide book that walks you through the fundamentals of retirement. For more than a decade Fred Brock was a business editor and columnist at the New York Times. With his biweekly 'Seniority' column, he has earned a reputation for providing frank and pragmatic advice on the changing landscape of retirement. He’s the author of Retire on Less Than You Think: The New York Times Guide to Planning Your Financial Future AND Live Well on Less Than You Think: The New York Times Guide to Achieving Your Financial Freedom.

Mr. Brock and tells you how you will fare in retirement with a few adjustments in lifestyle.& Do you need 100% of your current income? 80%? You may just have enough to retire right now. This podcast will lift your spirits.