Title: Start Where You Are Subtitle: Retirement Planning in a Changing World Author: Ruth L. Hayden Whether people have planned for their "golden years" or haven't given them much thought, Ruth Hayden, nationally known educator and financial consultant, says that it is never too early or too late to control one's financial present or create a secure future. About the author The author notes that the perpetual vacation after age sixty-five will not be the retirement model for most people in the 21st century. She provokes the readers to think about what they really want for their lives—guiding them to create a personal life vision to bring balance to the physical, emotional, spiritual, and financial aspects of life. Ruth encourages the readers to take charge of their lives, developing a realistic plan for a successful, fulfilling retirement. Ruth assists the reader to, "Start Where You Are—at age thirty, forty, fifty, sixty, seventy or beyond to plan for the rest of your life."