The fact that I know I?? 1/2 ll never be able to retire. Basically, I?? 1/2 ve got nothing going for me right now when it comes to money. At my age, I have absolutely zero savings, I?? 1/2 ve pretty much maxed out my income earning potential, and my debt-to-income ratio is pretty high, so I can?? 1/2 t even put money away for retirement. Plus, I pay $1,000 a month in child support, so I have to work two jobs ?? 1/2 which makes it hard to see my daughter ?? 1/2 and my credit card debt isn?? 1/2 t getting any smaller. I think I?? 1/2 ll be one of those guys who works himself into the grave. But, I have no one to blame but myself.?? 1/2

- Paul K., 62
St. Louis

I work in construction, which is a boom-or-bust kind of business. So, I mostly worry about the welfare of the young guys who work for me. I constantly worry about generating enough business to keep them at an income level that lets them make ends meet, especially if they have families. I worry about bringing in enough money for myself too, since I?? 1/2 m getting older. Soon I?? 1/2 ll probably have to stop working or get a different, less physical job. Even though my kids are grown, I hope I have enough money to keep adding to my savings.?? 1/2

- Mark D., 58
Oakdale, Minn.

I sleep pretty well at night ?? 1/2 it?? 1/2 s my husband who?? 1/2 s the worrier. I think we?? 1/2 re doing just fine, especially since we paid off our house about six months ago. I have to say, sending in that last mortgage check was a cause for celebration. But, we?? 1/2 ve also got a reasonable amount of money socked away in different types of investments, so as long as we don?? 1/2 t go crazy with spending, we?? 1/2 ll spend the golden years happy in our paid-for home.?? 1/2

- Janet S., 60
Seneca Falls, N.Y.