To all Americans in their twenties, thirties, forties, or even fifties, naively looking forward to their retirement, we have two words: "good luck."
One look at the flow chart below and we can't help but wonder: just how many Americans actually follow the "plan" of what they should do to prepare for retirement. A million? Two? Less? And how soon before the government decides it knows what's best for everyone in this particular touchy topic - because since the US welfare system is now hopelessly broken and unsustainable, then the retirement "option" for virtually everyone is a non-starter - and begins imposing behavioral mandates, not to mention taxes, to "steer" the population into the proper "avenues" and "channels"?