Earl is right about sitting down with a financial advisor and figure out what you need to do to retire. It may be too late if you haven't done this already, if you are just a few months away from retirement. I retired at age 54 in 2001, or I should say I got retired. I got disabled on the job and had to retire. We have to watch things a little closer than we use too with the price of CD's what they are, or aren't. EB