outlooks prevailed for white respondents who were not farmers,
whose families consisted of a couple only, who had better than
average education, and whose family incomes and assets were
superior. For Negroes, a family of two, the good health of the
husband, and family incomes were important.

 Occupations
 The nature of one's work and therefore one's income is
usually related to his education, and a farmer generally antici-
pates a low retirement income, whatever his education. Monthly
incomes of farmers are projected to average $12 per month lower
than nonfarmers. Another observation is that white-collar
workers anticipate larger monthly retirement incomes ($220 to
$350) than blue-collar workers ($170 to $190), and that the
average anticipated retirement income of either of these cate-
gories will be higher than those received by persons employed
in unskilled ($135) and farm occupations ($110 to $120 for
farmers and farm workers).

 Family Structure
 During his working life the average rural white male as-
sumes a lesser family support burden than his Negro counterpart
(2). This differential family situation was very significant in
shaping retirement expectations for both whites and Negroes.
On an average, a white family of husband and wife only antici-
pates a retirement income of $7.50 per month more than a
family of larger size, but the difference for the Negroes exceeds
$16 per month.

 Age and Education
 The age and education of male heads of families are inversely
related, but incomes and education are directly associated (1).
As a result, it is to be expected that older persons will have
lower incomes both while employed and later during retirement.
This relationship has been frequently established, and was
again revealed in this survey (Figure 4). Anticipated retire-
ment income drops progressively, or by $1.34 per year, between
confidence.
 The per cent reduction in the observed variation in the equation used
was 14.1% and 13.0% for white and Negro respondents, respectively.
Thus, the majority of the variation observed in the projected retirement
incomes should be attributed to causes other than the independent vari-
ables analyzed.