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Since the day I can remember when I was a little kid, my parents always had some photos around the house, one of them which I enjoyed looking at was this picture of me as a 2-year-old baby standing next to some awesome and huge St. Bernard Dogs. As I grew older and asked where this picture took place my parents explained how when we used to live in Chile (which was only 2 years when I was a baby and unfortunately I can't remember any of it)

So this morning I logged in into my Bank of America online account to make a bill payment when they showed me this nice looking banner. I'm not sure if they had a standard image for the calculations, or if they had a browser cookie on my laptop and they showed me a more targeted banner close to my age-range. But looking at it reminding me of everything that is wrong with the way most people look at retirement. Yes I agree that we all need to be saving at

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