Taking money out of our accounts when we retire can be more confusing than putting it in.

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When we retire, we usually start thinking about how our investments can produce the income we need to live on.

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Now, when we retire, at present rates of work-force participation and birth rates and immigration rates, there will only be about two people working for every one person drawing Social Security.

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When people retire, we no longer need those same motivators to get going in the morning.

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"Whenever we play bad during the season, I want to retire, believe me, and sometimes even when we play good, " Boeheim added.

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"So when the tidal wave does occur and people start to retire, we'll have a program in place to train people as soon as they walk in the door, " says Tony Ware, TECO's manager of training and assessment.

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If there are more older people in Europe then maybe we should think of a better strategy for looking after them when they retire from work.

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We lost our way as a nation when Wall Street persuaded Americans that they could retire rich by buying stocks and bonds or any of the hundreds of financially-engineered products peddled as vehicles for accumulating excess wealth.

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