ONTENTSr Housing Needs and InsurancelhreeRETIREMENT AND'ARE FOR THEM'nses-~ntlcial Planning 87IOIII8I29I4II55I73Introduction:Why Do WomenNeed This Book? Retirement is a lot like the traditional family. Everyone has a vision of what it should be like, but only about 25 percent of the population fits the description. In general, retirement is photographically pictured as a husband and wife, both in their late fifties, physically fit and attractive, and affluent,enjoying themselves on a deserted Florida beach. While thisis an interesting view of retirement and it is the ideal thatmany people expect, very few actually live it. The reasonsare not entirely negative. While fully two-thirds of those whoretire find they do not have enough money to cover livingexpenses, there are many others who retire only briefly be-fore starting some kind of new active income-producing lifebecause they find retirement boring or distasteful. Very fewretired people actually move to a Florida beach, and of thosewho do, m~iny move back to where they lived before becausethey miss their family and friends.