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If you save 30% of your salary, or 30% a year, it will take you 73 years to get to $2.2mn. Saving for 73 years is ambitious if most charts tell you you’re lucky to live for another 40-50 years after your prime working years. There are also a lot of impossible assumptions in this aggressive plan: for instance, that even if you reach $150,000 a year in annual salary, that you’ll make it nearly forever, never suffering a layoff or taking less pay. That’s a far-fetched expectation. High salaries, as a rule, don’t last forever. Older workers, particularly women between the ages of 45-54, are currently leaving the workforce in the greatest numbers, partly because there is no work for them. The salary of your prime earning years doesn’t last very long.

Maybe you think this is all a bit severe, After all, can’t you put your money in the professional pointe shoes stock market, where it can earn some returns?, You could – and earn 4% to 6% a year, conservatively, which would help you along, But this plan doesn’t trust the stock market, Ideally, your $2.2m would all be invested in “riskless assets” (no such thing, by the way; every investment carries some risk, even if low), In this case, the riskless asset that you should favor is a kind of Treasury bond that protect you against inflation, So far so good, except that no risk means no reward – which is why you should assume “a rate of return of zero”..

That’s where this gets completely out of hand. And yet the authors of the study imply that failing to achieve these incredible savings is a matter of mere discipline. “Well-run … pension plans provided retirement income for generations. When plans failed, it is because they broke the rules. The same applies to individuals. By understanding a set of rules on how much to save and how to invest and then sticking to those rules – that is, by making a pension promise to oneself – retirement income goals can be met.”.

This is absurd, This is why the cult of “saving for retirement” needs professional pointe shoes to be held in check, lest it brainwash anyone and pile guilt on hardworking families for having some mild enjoyment of life rather than living only for the future, Saving for retirement is a smart idea, and a necessary one, but stacking up bills in a bank account and eating ramen every night won’t get you there; it is both utterly joyless and totally ineffective, So what should you think about when you retire? There are libraries full of books about it, Start here: Retirement should include some thought to regular income – dividends, rental properties, insurance contracts – and a decent investment plan..

To be sure, there are some good things to take away from plan like this. The first is that people do tend to spend too much, and particularly with the rise of credit, they spend beyond their means. Household indebtedness has been a problem for years. One well-to-do techie, known as Mr Money Moustache, managed to sock away enough money to “retire” in his 30s with his family on $25,000 a year, which he considers a fortune. Even he has a lot of money in stocks and options, and says he makes sure to sell batches of them whenever he has to meet a major expense.

The other major issue: the retirement issue in this country is less due to personal failure than structural failures, Saving enough is not the primary problem with our retirement system, The primary problem is that wages have been dropping for decades, leaving people with much less to save – especially people who live on far, far less than $150,000 a year, That’s largely because corporations are hoarding profits, raising CEO salaries and professional pointe shoes skimping on what they pay employees, Corporate executives have been the big beneficiaries of this trend, with a jump of 876% in pay between 1978 and 2011, as the New Yorker’s James Surowiecki pointed out, At the same time, corporations – and the goverment – have largely reduced or eliminated pension plans that provided a retirement backstop to millions of middle-class employees..

RadarOnline first reported that 21-year-old Gomez quietly went to Dawn at the Meadows on Jan. 5. Though the Arizona facility’s website says it treats young patients for a number of addictions, Gomez’s people say the “Come & Get It” singer is not struggling with drugs or alcohol. “Selena voluntarily spent time at Meadows but not for substance abuse,” a rep for Gomez told People.com. So, what … it was like a vacation?. TMZ says differently, reporting that Gomez went for problems with alcohol, pot and prescription Ambien.

Oh, and Justin Bieber, The website reported that much of Gomez’s decision to enter treatment had to do Bieber, whom Gomez blames a lot of her problems on, thanks to the excesses she was exposed to by being around him and his buddies, Sources close to Gomez reportedly told TMZ that people in her camp were not happy when professional pointe shoes they found out she was hanging out with Bieber again early last month, She checked into rehab immediately after that, So she needed some time to scrub the Bieber off her, In December, Gomez canceled the Australian leg of her Stars Dance tour..