Hey Martin. These are fantastic ideas. I particularly like the idea of an acronym like TULIP or something. The TULIP or ACORN Retirement System - I'll play with those idea. Thanks so much for ideas. I wasn't planning on using the Five Ps in the title, just as an organizational framework, but the acronym idea has merit.

Thanks for the thoughts on income too. I've written a number of articles on that - it's such a tricky subject because there are so many variables (pensions, one or two incomes, age differences, pre- and post-spending habits, income levels, etc).

Everything helps.

I'll keep you posted on the book - you're now a 'contributor.'

Thanks again.