Hurricane Sandy really created havoc in the northeast, in spite of the best efforts of many people, government agencies, weather forecasters and others. Can you imagine how bad this storm could have been say 50 years ago, before we had the advance warning and preparation we had this time? Well we’re about to have a similar disaster for our retirement years. As a nation, we aren’t saving enough for retirement (many of us have less than $25,000 saved up), and to make matters worse, we’re living longer (which is good) but we typically need more extended healthcare (and we all know healthcare gets more expensive every year). Thus the perfect storm for retirement: not enough savings, and longer life expectancies with rising costs. What to do?