Everything You Need to Know about the 12 Most Important Decisions You Must Make before You Retire. Nearly 2 million Americans reach retirement age each year. Before anyone can begin to enjoy all the leisure time ahead, there are difficult decisions to be made about a host of crucial issues, such as Social Security, HMOs, insurance, and estate planning. Written by award-winning Washington Post financial reporter and syndicated columnist, Stan Hinden, How to Retire Happy arms anyone approaching retirement with easy-to-comprehend answers to all their complicated questions. How to Retire Happy: *Provides practical advice and guidance on the 12 most complicated decisions to make before retiring *Covers all the bases, from where to live to how to invest, from health insurance to taking money out of IRAs *Goes beyond financial planning to offer practical advice on the key emotional and psychological issues surrounding retirement