Baby Boomers are approaching retirement differently than did older generations. Many expect to continue working for some years, in part because they still are paying off housing and non-housing debts. They also face greater uncertainties when it comes to Medicare and Social Security. Since few Boomers have traditional pensions or other sources of guaranteed retirement income, they will depend more on their savings and assets, including home equity, to achieve a secure retirement. The FHA HECM is part of a growing trend in retirement planning and financing.