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Ecology of Money

Four Keys to a Sustainable Retirement Plan

With retiree confidence stuck in the doldrums, it's time to re-evaluate where you're headed and what you can do to get there.

Every year I read the annual Retirement Confidence Survey, published by the non-profit Employee Benefit Research Institute (, and promptly ignore it. Not this year.

I'm such a trend geek that I've been following the survey for the past 20 years of its existence. Most of the time it tells me what I already know: Most people have some retirement savings, but not enough. Most have an idea when they want to start looking for early-bird specials at local restaurants and want to travel much more than they are now.