Past topics have included: planning a gap year, finding the right program, long term benefits, pros and cons, and how taking time off impacts college.

FORBES: Attention Stressed-Out High School Seniors: Need a Break Before College? Consider Attending a Gap Year Fair

With proper planning, these gap years can be filled with Roth conversions realizing income in the lowest tax brackets.

FORBES: How Much Should I Have Saved Toward Retirement?

So why the gap between those in retirement and those planning for retirement and what can you learn from these successful retirees?

FORBES: How You Can Adopt the "7 Habits of Highly Confident Retirees"