Is that too strong a word? How about nuts? Any better? Of course, rather than being unkind, why not simply say that people underestimate….

Here's what I mean. According to the 2004 Retirement Conference Survey by the Employee Benefit Research Institute and the American Savings Education Council, only 58 percent of American workers are currently putting anything aside for retirement. A little more than half. We don't include my eight-year old grandsons here. They're having enough trouble not walking into walls.

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