RETIREMENT REALITIES

摘要

There is an unspoken conspiracy afoot to scare baby boomers into saving for their retirements. Government officials and media pundits tell us that boomers are unprepared and likely to suffer dramatic reductions in their lifestyle once they retire. More subtle are the brokerage firms, mutual funds and financial planners, with their online retirement planning guides. These let you plug in your age, when you plan to retire and what you expect to need in retirement. Then the Web oracles tell you how many millions of dollars you will need to avoid running out of money. And the answer always is much more than you could hope to amass, absent a lottery win.