When retirement is staring you in the face, you begin to panic. What happens if you don’t have enough money to live out your life comfortably? My wife and I were at that point. We had read in the paper where they were having a financial planning class for retirees and soon to be retirees. We thought they were going to go into the old song and dance about how much you needed to put back to be able to live the same as you do now. What we learned was reasonable ways and reasons for putting back a little bit of money from every retirement check. They said that even if you put five or ten dollars back from every check, it will add up in case of an emergency. My wife and I decided to do just that and we started to put money back. About a year later, we were having some problems with our furnace. We knew we didn’t have enough money in the bank to be able to replace our old furnace and we were in a panic. When the HVAC tech showed up, he went right in and began to inspect the furnace to find the problem. He told us what it was going to cost for the repair and the parts. My wife was smiling and she told me that it was okay. For the first time in our lives, we were able to take the cash out of the drawer and pay for the repairs to the furnace. We could not have done it if we had needed to replace the furnace, but paying for the repairs while he stood there, sure showed us we were doing something right.