Volunteer Moderators of the world unite, you have only your chains to loose!!!
Anyone that does not want to be in retirement poverty stricken, totally dependent on government benefits and eating dog food needs to read this pdf. article.
This is one of the best analysis I have read as to planning for retirement.
It may not impact you now but you had better be ready for it.
Retirement accounts, like 401k and others, seem to be up in the air as to whether or not you can depend on them to be there. Save your paper money yourself or "invest" in a mutual fund or something else? I'm going to hope that my mutual funds are going to be there because I'm piss-poor when it comes to saving on my own. If something happens I'll have to learn about who is/was actually controlling the funds then go kill them.
Some mornings, it's just not worth chewing through the leather straps. - Emo Phillips