He is a husband and father of a high school-age son and a sophomore daughter who attends U of H. He says his ideal goal when he retires is to be debt free. Coleman knows this could be a problem because he has a high-cost dream. Furthermore, he believes that with the right amount of work and planning this can happen. Coleman has already created several ways to have a retirement fund such as 401 accounts, IRAs and savings accounts. He spoke of his plan to make some investments to generate ongoing income and to purchase land in the next few years to lease for hunting and farming. I was impressed that he was currently considering purchasing gas wells. Another idea to prepare for retirement would be to invest in some stocks and bonds to get additional monthly income. Coleman said he had thought about all his needs in retirement, he needed at least a million dollars, which averages about two thousand dollars a day.