Part of the problem with coming up with money for retirement is that thanks to healthier lifestyles and advances in medical care, we're living longer and longer. It's a lot easier to outlive one's retirement savings when living to 90 than when dying at 60 or 70.

As I see it, the best retirement plan in the world is a ribeye steak, a Budweiser, and a cigarette. The grasshopper has gained the moral high ground on the ant these days, as hedonism ensures one will never outlive one's assets or have to rely on Social Security.

Besides, you get to eat cheeseburgers guilt-free with this plan.

I hope I DON'T go like Tim Russert: 58 years old is way too young.

And yes, there have been plenty of medical advances that allow people to live longer. The U.S. is not even leading the world in longevity but OK, let's say we all do live longer than we expect. Living longer doesn't mean that you live without serious health problems. You just live longer, as one of the data of a statistic reporting longevity.