We start out helpless, grow and learn at school, leave home to stand on our own, and build our own career and family. Now it's time for the FIFTH big step: Retirement. A friend gave us some interesting advice. He said "the 60's are the go-go years, the 70's are the slow-go years and the 80's are the no-go years". While the exact numbers may vary, it's a matter of fighting to delay the inevitable return to helplessness.