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Presents a late-starter's guide to saving for retirement. Job hoppers and shaky Social Security; Putting the largest portion of your salary allowable into a 401(k); Keogh Plans and individual retirement accounts; Charting a course between unacceptable risks and paltry returns.

Gives advice to graying baby boomers on saving and investing wisely and to make the most of what is left. The discipline of securing retirement; Taking some risk.

Gives advice on taking a retirement plan payout. The retirement plan of the Patricks, of Charlotte, N.C.; Compare choices; Early retirees who need income immediately; IRA plans.

Offers guidelines on little-publicized changes in the tax code and new IRS regulations that allow certain IRA withdrawals without advantages of early withdrawal; How to decide if, when, and how much to withdraw.

Examines Senate Finance Committee chairman Lloyd Bentsen's proposal to widen the tax benefits of IRAs. Past benefits of the accounts; Changing values due to new tax structures; Future prospects.

Discusses new rules on emergency withdrawals from the employer-sponsored retirement-savings plans 401(k)'s. For emergency access to your emergency cash you may have to prove you can't borrow the funds from a bank or other tender or raise the cash by selling assets, including investments and property owned by a spouse or child.

Trying to follow the latest tax rules for individual retirement account (IRA) is very complicated. Here's a guide to IRA taxation rules.