Review the author's statement in Chapter 13: "New-generation human resource managers must add to their work portfolios how to help employees make appropriate decisions about participation, contribution, and even investment in their benefit packages so that they better enable themselves when they retire to maintain the standard of living they had when they were working." Analyze your own retirement pension and benefits package, (or absence of a company-provided package) and offer three pieces of advice to Generation X-ers and Generation Y-ers regarding their retirement.