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05/20/2014 12:25 pm ET Updated May 20, 2014

The Retirement Apocalypse That Isn't Coming

Dougal Waters via Getty Images

Grandma's much-anticipated Arctic cruise becomes a slow drift away on an ice floe. Grandpa mortgages his kidneys to pay for a new heart. Social Security is deader than disco and "IRA" only refers to guys named Ira.

That bleak vision is only a slight exaggeration of the catastrophes foretold by many experts, the media and financial firms. It’s a scare tactic that’s moved the tone of the U.S. savings and retirement conversation from a constructive call to action to an alarmist frenzy.

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