Living in retirement comfortably demands planning in advance to meet financial requirements. There are a number of tools available to help future retirees ensure they have an incoming cash flow once their employment years come to an end. Planning the basics of living in retirement can be done with or without professional help. Income to consider during this period includes Social Security, 401ks and pensions that may have been acquired during working years. Other investments can also be prudent. Projected earnings should be weighed against inflation projections.