When we were young, and starting out on our career paths, we generally struggled to make ends meet.  We had very little excess income, and we were more concerned with establishing ourselves in our jobs than with planning for the future.  There were no thoughts of retirement at this stage - the furthest ahead we looked was next weekend's outing to the movies.

As we got older however, we started to have a little more disposable income, and we could afford to think of longer-term issues.  Things like settling down and starting a family became the most important concerns, and along with those responsibilities came a mortgage, life insurance, school and college etc. etc.

Somewhere along the way, we started to think about putting some money away for retirement.  That likely started when we saw our parents retiring, and we wondered how they were going to survive without dad's salary.  Company pensions were still very common in our parents days, and the combination of that plus Social Security was generally enough to allow Mom and Dad to enjoy their golden years in relative comfort.

For Baby Boomers the benefits of a company pension have all but disappeared.  Corporate America, and indeed corporations world-wide have pretty much done away with the company pension.  Far more common these days is the 401k savings plan, into which the employee contributes as a means of investing in his retirement.  Depending on the company, a matching contribution may be made which adds to the sum total of the plan.

So if, as a new employee, the Baby Boomer had the opportunity and the foresight to invest in his future retirement, the amount in his 401k account may have accumulated to a point where retirement can be as comfortable as it was for our parents.

However, unlike a pension plan, the amount of funds in the 401k account is dependent upon stock market performance.  With the most prudent planning, and the rigorous ongoing contribution schedule, the total accumulated funds can be severely reduced, depending on market performance, and retirement income affected accordingly.  This has become one of the pre-eminent problems of our aging population - people are living longer, and the money required to afford a comfortable lifestyle exceeds the money available in our retirement account.

Fortunately we have found a solution.  We have discovered the secret of how to Increase Baby Boomer Income.

As we approached our own retirement, my husband and I were faced with the same issues as other Baby Boomers with respect to our available funds and continued level of comfort and lifestyle.  With the down-turn in the market, our retirement fund had taken a significant hit, and we were faced with having to supplement our income in some way in order to maintain our chosen way of life. 

We discovered the perfect way to do that.  By using the experience and the knowledge gained over the course of our working lives, combined with the vast network of friends and acquaintances we have accumulated over that same period, we have been able to add dollars to our retirement fund and Increase our Baby Boomer Income.

The system is not hard to adopt; we are at the point in our lives where we are no longer interested in taking on difficult tasks.  We work at it as much or as little as we want, and we have been able to make a solid difference in our disposable income.  If we choose to work more, we can make more money, but it is easy to do, and more importantly it is fun.  And isn't that what retirement should be all about - having fun?  Who among us would not find it fun to Increase Baby Boomer Income?

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