71.   The longer you put off setting up a savings plan, the harder it gets to stash away sufficient retirement money.

72.   The key point of contention is whether individuals should be able to invest their own retirement money, or whether the government should invest it for them.

73.   The mutual fund industry, the guardian of the retirement money of millions of Americans, has enjoyed a remarkable run in the last year.

74.   The portfolio performance, tracked by Lipper Analytical Services in Summit, N.J., excludes taxes because many people invest retirement money in tax-deferred accounts.

75.   The performance of the portfolios, tracked by Lipper Analytical Services in Summit, N.J., excludes taxes because many people invest retirement money in tax-deferred accounts.

76.   The portfolio performance, tracked quarterly by Lipper, excludes taxes, because many people invest retirement money in tax-deferred accounts.

77.   The right amount of your retirement money for cash is none.

78.   Their competing plans will directly affect everything from drug coverage to retirement money to the stock market.

79.   Then, if no aid is received, parents can withdraw retirement money.

80.   They exclude sales charges and transaction costs, and because most retirement money is held in tax-deferred accounts, the effects of taxes are excluded.