THE QUEST TO RETIRE WITH SECURITY "Thirtysomething Is the Time to Plan for the Years after Sixtysomething" I wrote the Lotus spreadsheet, RETPLAN, based on an article that appeared in the Seattle Times/Seattle Post-Intelligencer 9/24/89 (title above). The spread- sheet says it plain: "To have X dollars available when you retire, here's what you must do NOW." Enjoy.