A happy retirement is more than just money

Reports of Americans being unprepared for retirement have become so widespread that it no longer seems to elicit any emotional response.

The Employee Benefit Research Institute found that 40.6 percent of all U.S. households (where the head of the household is between ages 35 and 64) are projected to run out of money in retirement. Moreover, the average Social Security benefit provides an income equivalent to the poverty level for a family of four.