That was interesting. Stuff I have heard before, but well presented.
I have been fortunate to have had a job through the crashes of 2000 and 2008. I feel the pain of folks that have saved and saved and have to dip into their 401ks to survive.
I like many do not have a pension. I have always saved to the best of my ability believing that dollar averaging over time would get me to the promised land. Not quite there yet, but still consider my self fortunate to have my health and a job with insurance. As far as retirement? My goal/plan has not changed in 15 years.... I am going to retire in five years....
PS. I sent this to my financial adviser for further discussion....