4 • MARTIN H. RUBY
Your retirement savings represent your ability to enjoy a re- warding, happy future. And yet, most of us are using rules that are outdated and, worse, no longer valuable. Imagine if every time you wanted to take a trip, you had to call the airline and have them mail you a ticket. That’s the way it used to work. It’s silly to accept that kind of inefficiency today, when you can get tickets electronically in a matter of minutes. Or imagine if you broke your arm, but didn’t use an X-ray to see what’s broken. For years, doctors had to guess what kind of fracture you had. Today, no one with access to good medical care would rely on guesses rather than X-rays. When it comes to saving for retirement, most of us are making do with approaches that are as inefficient as mailing airline tickets and as risky as setting broken bones without X-rays. It’s time to update our rules. They’re All Talking About You Do you know what they’re saying about you? No, not your best friends or work buddies. I’m talking about the media. Fox News. Forbes. The New York Times. USA Today. It's hard to find a news outlet these days that hasn't weighed in on the "savings crisis" in America. Most workers aren't saving enough for retirement, and you may even be among them. And that means you may be underprepared when your future arrives. Simply put, your retirement could be at risk. And the media is right . . . to a point. What the media is missing is that it’s not your fault. You and your friends undoubtedly care about your future. You’re saving. You’re just saving under an old set of rules ! And because you’re saving under an old set of rules, saving has become so problematic, so unrewarding, that many of your peers have given up all together. The rest of you do it out of obligation, but not with any measurable satisfaction. This book is a guide to breaking that cycle.
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