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About 36% of workers have less than $1,000 in savings and investments that could be used for retirement (USA Today) ......The majority of individuals do not make an attempt to calculate what they will need for retirement ......By investing in yourself you can easily find a variety of choices to supplement your income ......Heading into retirement people, neglect to take into consideration unexpected surprises such as health care, travel, home and car repairs, helping out family members, disability and/or death of spouse ......People are living longer and can no longer depend totally on social security, pensions or family to financially support them ......Learn to invest in yourself! Never stop learning - it keeps the brain sharp!