1. There are many sites on the Web to help you compute whether you are properly preparing for your retirement. One of the better is offered by Quicken. You will find it at http:// cgi.money.cnn.com/tools. Use the retirement calculator listed under “Retirement.” Have you set aside enough retirement money to last your lifetime? The earlier you start, the easier it will be. In general, your retirement funds will come from four sources: Pension plans Social Security Tax-deferred savings Basic (taxable) savings Use the Retirement Planner to predict the income from the first two, and to determine how much you will need to save to make up the balance for your retirement goals.