With all the wondrous changes in pilot pay and retirement benefits

what do you do to prepare for the future? How have you invested your money so that you can enjoy a descent retirement.
What resources can you provide to your fellow pilots to aid us in preparing for the future? For us guys at the regional level that deal with very low wages and the setback of starting over again at a new airline are especially in need of help.
Do any of you operate home-businesses or other types of business such as real estate & franchises?
Thanks for any help