Retirement can last over 30 years Use Buffett's retirement mutual funds for longevity Use Internet retirement calculators to reset income Use the IRS tax-FREE account to lower taxes Running out of money is the greatest fear retirees have. Retirement income is hard to create without having assets. More retirees are finding that they will have few company-paid benefits coming. Many see that their IRA, 401k or other retirement account is not what it should be. Their advisor has no easy solution. The Social Security check is the only inflation-proof income they can count on. Most retirees just avoid the whole subject. Or claim they will "work till I drop." But research shows that only 1/3 of workers aged 67-68 are still working. So avoiding the subject doesn't help-most of us will try to live with less for 20 or 30 years. The average American's assets less liabilities not counting their home totals less than $50,000 by age 65. Most of our net worth is tied up in our house. The median net worth for a person aged 70 to 74 drops to $31,823 from $181,078 when home equity isn't included. That means our home is usually paid for but we must live on the average SS benefits of $1,294 a month or $15,500 a year. If we are married, that's about $30,000. We can Reset our future Retirement Income now