Are you saving for retirement through a payroll savings plan at work?  If so, it’s probably a 401(k) – which is provided for those working in the “for profit” sector – or a 403(b) – for those working in the not-for profit sector.  About 57million Americans save for retirement through these plans.  Many also save through Individual Retirement Accounts, or “IRAs.”

If you save through either, congratulations! — and keep on saving.  The central message, in fact, of The Shortest Investment Book Ever is: “start early, save a lot, spend less.”  If you’ve been doing that already, good for you.  Now keep it up.  But whether or not you have been saving more and spending less, surely you’re aware of the battering that our investments Continue Reading »