"For many, their retirement savings were obliterated by Wall Street s staggering decline combined with corporate greed, mismanaged retirement plans, and a broken retirement system. This perfect storm has left the next generation of retirees poised for financial chaos. Instead of living out one s golden years relaxing by the pool or traveling the globe, many will find retirement unattainable. For a growing number of Americans it will leave them living at or below the poverty line, barely able to afford basic living essentials. For this ever increasing number of Americans a retirement crisis doesn t just loom on the horizon, it has arrived, and brought with it disastrous implications. It begs the burning question of who wants to work their whole lives only to retire into poverty? Better still, it behooves us to understand how this happened and what we may still be able to do in order to resurrect our retirement plans."