Most people know they should be planning for
retirement. Fewer people actually do it in any meaningful way — and the gap
between knowing and doing tends to widen the busier life gets, right up until
the moment when retirement is no longer a distant concept but something
happening in the next few years.
I was in that gap for longer than I'd like to admit. I
had a vague sense that I was saving enough, a vague hope that it would all work
out, and a specific reluctance to sit down and actually run the numbers. The
numbers felt complicated and a little scary, and it was easy to find other
things to do instead.














