I work for myself adjusted dilantin level - Retire when you can afford to, says Sheryl Garrett, aShawnee Mission, Kansas, financial adviser. When is that? Shetells clients to do this math: Add 1/25th of your savings to theamount of Social Security and pension benefits you expect to getin the first year or retirement. Is the total enough to supporta comfortable lifestyle? Then you're good to go. "If you canafford to retire, then you shouldn't care about what theinterest rates are at that moment," she says.