KERRY HANNON is an expert money columnist for iVillage.com, the women's Internet network. She is a former personal finance columnist for USA Today and editor and writer for U.S. News & World Report, Kiplinger's Personal Finance, Money, and Forbes. Hannon speaks regularly on personal finance topics and has a monthly radio show called Financial Fitness, in Washington, D.C., on Chancellor Radio stations. Her prior books include The 10-Minute Guide to Retirement for Women, and Suddenly Single: Money Skills for Divorcees and Widows (Wiley).