I know my retirement age is coming, that is the age when people traditionally retire. It is still nearly 15 years out, but I can hear it like the pounding of a drum. I also see age discrimination. It is harder and harder to get full time employment because people think you are not as sharp, that your career life is shorter, that you are bound to incur more medical expenses. Truthfully, I am not sure what form age discrimination actually takes, but I can tell it is there.
Perhaps you want to retire but like most Americans, your savings is not enough, and will not be enough at the right time. One solution many take is to increase risk. While the promises of high returns are enticing, the downside could wipe out much of your savings. Similarly, people take on risky behaviors to fill in the gaps. The promise to get rich quick is always there, but almost always designed to take your money rather than provide you more. So what reasonable options do you have to provide enough for you and your family into your golden years?