Book excerpt: Are you worried about saving for retirement? Do believe your savings won't allow you to scale back from the 9 to 5 and focus on fulfilling your dreams? Whether you're just beginning to chart your career or you're a baby boomer making plans to retire, a fulfilled and fun retirement is within reach if you use author Scott Harstad's three-legged stool approach. The key is to do your homework and make informed decisions. Harstad, a certified retirement planning consultant, uses more than 25 years experience in banking, insurance and real estate to show how anyone---especially baby boomers---can boost retirement income and savings. With careful planning and a diversified portfolio, you can enjoy your retirement without worrying how to fund it.