Planning to play: that's what saving for retirement is today - and it is antithetical to the nature of play, fully within the definition of work, and blissfully ignorant of the reality of death.

Some financial planners are planning for 95 or 100 percent of your income today is what you'll need during retirement. There are a bunch of calculations online, but they all use different assumptions. You can come up with these figures, but they may not be right.

Tip #3: Taking the Next Step(s)

As the game enters its glorious final weeks, the chill of fall signals the reality of defeat for all but one team. The fields of play will turn brown and harden, the snow will fall, but in the heart of the fan sprouts a sprig of green.

Mother Nature comes up against reality, and the reality is that the system doesn't work.

Americans are not saving enough for retirement.