[Hugh R]

I'm 51, and I've tried to put money away every year since I graduated from college in 79. In retrospect I should have saved more. My net worth (2/3rds of which is in my house) is about a million, If I retire in aboout 15 years, it may be kind of tight, the stock market has been kind of flat for the last 10 years (as measured by my portfolio and the S&P and the Dow). I won't be eating dog food, but all I can say is save and invest more if you can.