Everywhere I go, people are talking about retirement.  If you are in the company of young people, they talk about social security and whether or not it will be around when they retire.  If you are around middle aged people, they start talking about 401ks, IRAs, Roth IRAs, and whether or not they have enough money to support their desired lifestyle when they retire. And if you are around older people, they start talking about retirememnt homes in florida, or retirement homes in california (notice no one ever wants a retirement home in North Dakota).  Sheesh, if I hear one more word about retirement, I will burst!