As more Baby Boomers begin to approach retirement age the thought of how those golden years will be spent tends to be more of a preoccupation these days. Unlike many of our parents who worked for a company in excess of 30 years and then walked out with the gold watch, they had a retirement savings program that soon followed. A family of four could get by and live comfortably on one income, not so anymore. More and more American's are beginning to call on their reserves to get them through … [Read more...]