What are you doing for Retirement?
Retirement planning has changed over the years, up until the 1970's most Americans worked for companies that provided pension plans. These were guaranteed and funded completely by the employers.
Now there are very few pension plans and the responsibility for retirement planning has shifted from the employers over to the individuals themselves. With legislative help came rise to the Individual Retirement Arrangements such as IRA and 401(k) plans.
With the uncertainty of social security as a reliable source of income in the future. If you want to ensure a financially comfortable retirement, you have to plan for it yourself, whether you work for an employer or are self-employed.
6 out of 10 people say they will have enough money to retire comfortably, though research from the Employee Benefits Research Institute shows 50% of all workers today half less than $50,000 saved for retirement.