Upbeat retirement advice for the relatively affluent--in the tenor of Hardy's sophisticated primer for the middle years, Your Money and Your Life (1979). Taking Social Security as a given, Hardy lays out the other income possibilities to consider before one's working career is over. Surveying insurance, for example, he suggests that life coverage be reduced--in accord with reduced family responsibilities--to release money for current use. Economies aside, he prescribes reviewing corporate or personal pension plans and taking advantage of supplements--IRA, Keogh, etc.--that offer tax deferral as well as deduction. To create a nest egg, he favors a comparatively aggressive investment program, emphasizing good-quality common stocks with superior appreciation potential; but he duly reviews fixed-income commitments too. Also covered are the mechanics of cash management (with tips on earning extra money, if need be); alternatives for the ownership of assets; and estate planning. And for those who've been out of the housing market, the exotic new mortgage options are carefully explained. James Jorgensen's Your Retirement Income (p. 319) is more alarmist and more cautionary--and, for some, perhaps the more realistic choice. But Hardy offers intelligent counsel (with worksheets, case studies, tabular material) for those sufficiently well-fixed not to be particularly at risk.