Estimate your retirement income. Make a spending plan. Create an investment plan for 30 years. Create a tax-FREE income of $6,000 a month. Self-insure and self-fund your financial needs. Avoid tax on 85% of Social Security benefits. Avoid higher Medicare premiums. Do you know how much income you will receive in retirement? Do you know how much you will need to live on in retirement? Do you know how to invest during retirement? How much out-of-pocket medical expenses will you have? How much supplemental income will you need to overcome inflation during retirement? Now is the time to make an estimate of what you will have to spend so you can take action if you need to. Both of you will need to make an estimate separately since one of you is bound to outlast the other. The good news is that you can assure yourselves of a tax-FREE income since you have started reading this book. I want to help you estimate what your income will be in the future. If you have 15, 20, or 25 years until you stop working, you could accumulate $250,000, $500,00 or $1 million-all tax FREE. That is possible using the information I will share with you. You know that Social Security will eventually run out of money. You know that income taxes will increase to pay for years of tax cuts and two wars.