I am in my early sixties heading down what I hope to be a long glide path from working to retirement. After teaching junior high and Special Ed for 10 years, I got a Ph.D. in philosophy. The month after I defended my dissertation, I started Law School, and became a wall street lawyer for 10 years. After several years as an insurance executive, I'm now a solo lawyer advising insolvent insurance companies on reinsurance matters. Since discovering the joys of 16% returns in money market funds in the early 80s, I've been an active and occasionally lucky investor. Turns out I was much better at stock picking than stock dumping, and after the crash in 2008 I realized I would have had a lot more money to lose if I had simply invested in popular mutual funds and avoided all those round trips. Knowing that at my age I can't afford another 30% hit to my portfolio, I've since set about completely reinventing myself as an investor. I now am focused on building an intelligent portfolio that fits my declining earnings from work, which means income, income and income. I am a convert to dividend growth investing, building up a diversified mix of 3-5% current dividend payers with 5-10% annualized growth potential. Living in Tucson, it's hard for me to ignore the slow steady growing saguaro that doesn't so much as grow an arm for at least 50 years, so while I'm waiting for those stocks to mature, I look for high current income from preferreds, REITS and the like, as well as investing in rental properties in the steady high demand area surrounding the University -- which sounds a lot like dividend growth investing.