After listening to the accountant, the investment manager, and the financial planner, I was sure of just one thing: retirement is a crapshoot.

And that was back in the relatively giddy days of ’05 and ’06 when mortgage bankers were still handing out money to people who didn’t have jobs. That was before the market blew up and the economy dropped down the dumper. Had I known the market would blow up and the economy would drop down the dumper I would have kept working. But the accountant, the investment manager, and the financial planner didn’t have that information….