It's been quite some time since a new post surfaced on this blog. I promised I was going to write a series pointing out reasons to care about stocks. They're coming, but this topic came up instead. I am currently employed at an employee benefits company where we assemble, create, manage, and update employee benefits such as retirement, medical, and ancillary (dental, vision, life, etc) plans for a number of employers. In other words, we set up all the extra perks you look at besides salary when you get a new job. As my familiarity with this arena grows, I noticed that many of the employees of these clients are older Americans with balances less than $100,000 in their 401K plans. As a person with a lifelong focus on helping individuals leave an inheritance for not only their children but also their children's children, my senses immediately alerted me that there is no way this amount of money is enough for retirement. So, I decided to do the math to either confirm or ...