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"I've had a very wonderful career," Dr. Kraft says. "I feel like I'm doing something worthwhile." An octogenarian and mother of seven, Kraft asks her older patients: " 'If you retire, what are you going to do?' older versions " She says many people don't have avocations, and when they retire, they feel at a loss. Her advice to women and men alike: "Keep active. Keep your mind older versions active. So many people just want to sit down at night and do nothing. It's not good at all." Whatever choices retirement-age workers make, nothing substitutes for early financial planning, older versions cautions Cindy Hounsell, president of the Women's Institute for a Secure Retirement in Washington. "Baby boomers think, 'I'll just keep working,' " she says. "That's nice if it works out. But you have no guarantee of the job or no guarantee of health. The No. 1 mistake I see people make is not figuring out how much they'll need to support themselves."
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