For more details, call the Federal Reserve's Savings Bond Unit at 800-245-2804 or visit the Web site, www.savingsbonds.gov.

FORBES: Little acorns, mighty oaks

While these scenarios call for no further retirement savings to boost income, pre-retirees should strive to continue contributing at least enough to qualify for an employer match in their 401(k) plans, if available.

FORBES: Delaying Retirement, But Not Your Retirement Dreams