Kids grown, they want to save

For the first time in 18 years, Tim and Eileen Burke will not bepaying tuition. With their children grown, they now want to focus onsaving for retirement with an eye toward some travel.

"We want to be able to pick up and go," Eileen, 50, said.

The Burkes both work, and despite putting three children throughcollege they've managed to pile up $50,000 worth of certificates ofdeposit, $25,000 in their IRAs and work-related profit sharing of$45,000. They also have a house on the Southwest Side that's fullypaid for and is worth about $110,000.

Not only have they paid off their mortgage, they've also managedto stay debt-free. They don't have car loans or …