A WORKING MOM'S PEN HAVEN

I started to think about retirement at age 36.  I don't know why but it was then that I realized that despite my good prospects for promotion in the near future and my steady stream of income from the investments that we were making, I just knew then that I needed to start my journey to financial stability and security.   My son and my youngest was less than a year old then.  I computed in my mind that when he reached college at 18 years old, I would be around 55 years old by then.  I was unsure what I'd be by then.  Would I still be healthy enough to work?  Would we have enough savings to make sure that he has money for a decent college to go to?  Would he be intelligent enough to make it to UP to enjoy free tuition?  It was unsettling.  I felt I had to do something.  And so I realized that I wasn't even talking about retirement.  I was just thinking about Sam's college really.   So it was then that I made my big lea...