Once upon a time people would work until 65 and then retire. While they traveled and spent their days playing with the grandkids Social Security and pension checks kept them financially afloat. Unfortunately this scenario is no longer so obtainable. According to a survey by the AARP 40 percent of baby boomers see themselves needing to work until they die. But while some people see working as the key to their vitality others cringe at the thought of being forced to hold down a nine-to-five job in their 70s and 80s. What do they have to do to retire worry-free? If you’re in your 20s or 30s you’re in luck — you have lots of time to wisely plan for a financially stable retirement. But even in your 40s or 50s financially savvy decisions (including changing directions) can enable a comfortable financial life once you’ve stop working.