In days past, retirement time was considered to begin at age 65. Today it is an entirely different matter. For some, retirement begins in their fifties, and they may even choose to launch a second career. For others, retirement comes much later, and life demands every dollar be stretched. Sometimes continuing to work is not an option, but a requirement.

An old saying tells us there are two ways to make money: People at work; or Money at work. Let's see what you need to do to put your money to work so you won't have to work.