There are many websites, articles, television shows and books that describe how to handle difficult financial situations. All provide an instant cure for your financial woes. Our objective is to show how to prevent these difficult situations (or at least be ready for them) by careful planning on a decade by decade basis. This approach was pioneered by my late uncle, an attorney and financial analyst, and used by several of his millionaire clients and a poor one, namely the author. How to approach annuities, taxes and pension plan borrowing are also discussed as they may apply to your needs. A mini-glossary of the relevant terms is also included to clarify any new words you may not be familiar with. Remember to always check multiple credible sources before you commit to a plan of action. Also, be sure to review your plans on a regular basis. Good luck.