Whether you're a business owner or an employee, the best way to figure out the importance of saving toward retirement is to calculate how much you'll need to stash away to retire in style. But don't get bogged down with your pocket calculator. Instead, order a retirement-savings calculator from T. Rowe Price (800-638-5660). This nifty cardboard gadget instantly answers such questions as "If I invest $100 a month in my 401(k) plan for 20 years, how much will I accumulate?" (Answer: $76,570 if your company's plan earns 10% interest.) It's free, it's fun, and it may even persuade you to bite the bullet and increase your retirement savings. -- Jill Andresky Fraser