Consider why you work. The common answers to this question are: current consumption, future consumption (retirement), and pride that you get from your career. Our income is our greatest asset, but have you considered what would happen if one day you could no longer go to work?

Look at your income and expense line by line. Where can you make adjustments?

We all know what tooth decay is. Tooth decay is a combo platter of genes, poor dietary choices with haphazard oral hygiene habits. Don't be surprised ...

Note: It's a rare thing, but it happens once or twice a year: Life has reared its ugly head, and there's no fresh story for you this morning. Instead...

To me, it's appalling that anyone would advise those who are already retired to gamble their life's savings on the volatile, risk-filled world of Wall Street. But the stock market can (and will) blow up in your face at any age.

Just 9% of workers frequently discuss saving, investment and planning for retirement with family and friends. This is the massive elephant in the room. If you're not talking about it, you're likely not taking action steps toward preparing for it.

Given that Jane is likely to live five years longer than Joe -- a range that will get closer to seven years more by the time she reaches retirement, you can see that we have a problem brewing. And it's not a small one.