Steve,
Your ideas are good and the day I started work for the labs and phone companies in 1965 I started putting back money in accounts for my retirement. But so many have waited until now and put nothing back that it is almost impossible for them to save anything with the prices the way they are. I watched one of the over paid financial geniuses the other day telling people that are still working they should put back at least 60% of their pay in case they lose their jobs. With the price of food and the other bills, just how is the average working person going to live and do that?
Ron
