(MONEY Magazine) – COVER STORY: GET SUCCESS AND SECURITY 74 How to change your life and achieve financial security by Andrea Rock A growing number of Americans are discovering they can earn what they want by doing what they love -- that is, finding a career that really makes use of their talents. Read about a nurse who started a profitable organic bakery, plus these five other instructive profiles: -- A bored attorney who became a highly successful wine critic. Page 76 -- A disillusioned professor who networked his way to a secure corporate position. Page 78 -- A cost analyst who ignored experts and won by retailing toys. Page 80 -- Two L.A. lawyers who made millions from high-style pizza. Page 82 -- A self-absorbed reporter who emerged as a selfless crusader. Page 86 -- Plus: 21 careers at a glance. Page 80 -- And the 10 commandments for changing careers. Page 86

FEATURES 90 The pros flub our third annual tax-return test by Denise M. Topolnicki Every year the contestants have done worse. This time only two out of 50 tax preparers avoided basic errors. -- Table: 50 conflicting bottom lines for the same return. Page 91 -- Box: Surprise! The IRS gets more helpful. Page 97

100 The ultimate office on wheels by Joanna L. Krotz With cellular phones, laptop computers and portable faxes, many people are turning their cars into efficient, movable offices.

FEATURES 112 The hottest investment trends for the 1990s by Penelope Wang Greed is out. Decency, environment and Eastern Europe are in. Here's how you can make money this decade by investing through the right mutual funds.

126 The best way to teach your kids about money by Mary Rowland

We give our children $9 billion a year in allowance and gifts -- mostly for the wrong reasons, experts say. -- Five stages in raising a financially responsible child. Page 130 -- How much allowance should your kid get? Page 135

138 Where to put your IRA money today by Beth Kobliner A small improvement in your total return can make a weed patch of IRA accounts into a victory garden.

146 When a bonus baby strains the family budget by Suzanne Seixas An unplanned baby boy brings joy to an Arizona couple -- but trouble to their personal finances.

DEPARTMENTS Editor's Notes How to enjoy the rest of your life. Page 5 Mail Reports from tax hell; and more. Page 9 Money Scorecard The interest-rate outlook. Page 13 Money Update How middle-age people view retirement; straight talk on Social Security. Page 25 Fund Watch Taking cover in high-cash funds. Page 41 Wall Street Stocks for a baby bear market. Page 57 Money Helps Marlys Harris fields your questions. Page 67 Investing Basics Stock picking with P/E ratios. Page 159 Your Taxes Last-minute 1040 tips. Page 163 Money Pro How money trends move stocks. Page 171 Check It Out What you should do right now. Page 176

COVER SUBJECT Three who set out to make their lives more fulfilling and ended up richer and more secure too. Cover photographs by (clockwise from top) Brad Trent/Outline (2), Rob Kinmonth