Unless your retirement plan is dying... You have a retirement, you just might not know it. Find out where your life is going and what your present retirement plan is (if nothing in your life ever changes).At the age of thirty-two I was married with two kids and had lost one child to cancer three years before. We renting an apartment and were $25, 000.00 in credit card debt. We were a one income minimum wage earning family. Then one day it hit me... I don't want to work until I die. So, I took a few minutes and made my retirement plan. I was going to retire at the magical number of sixty-five.I called it my Z plan. It was my best-worst-case scenario. Then I asked myself one question. What small change can I make to improve my Z plan? It had to be small and easy. I made one change, then another, then another slowly working my way down the alphabet... I retired at 52.My objective with this book is not to show you how to set a goal and go and get it. My desire is that you'll see that a couple working 9 to 5 jobs who make tiny changes in their lives can improve their future situation. And in the end you'll improve yours.