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.

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."

About the Author

Ruth Hayden is a nationally recognized educator and author based in St. Paul, Minnesota. For the past 20 years she has been president of Ruth L. Hayden and Associates, her own successful consulting business. Ruth is a member of the Association for Financial Counseling and Planning Education. She has been quoted in numerous national periodicals, including Washington Post, Washington Times, Money, Reader's Digest, Mademoiselle, Working Woman, Marriage Magazine, New York Newsday, Ladies' Home Journal, Parents Magazine, Utne, Woman's World, Time, and Kiplinger's Personal Finance Magazine. Ruth is a frequent commentator on Public Radio International's Sound Money and is one of the experts on the Public Television series, Right on the Money.

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