For many people nearing retirement, running out of money is one of the top fears. Unless they work for the federal government.

With the Federal Employees Retirement System annuity, Social Security and cost of living adjustments the fear of running out of money is not a major worry for federal and postal workers. But does your retirement plan include maybe 20 or 30 years of doing things, needing things, without that regular paycheck every two weeks?

On today's Your Turn radio show financial planner Arthur Stein talks about planning for what could be a very lengthy retirement. You may be retired for as long as you worked — think about that. You can listen at 10 a.m. EDT on Wednesdays at www.federalnewsnetwork.com or in the Washington, D.C., area at 1500 AM.