To retire rich, don’t leave too much to your kids

So the choice is either to spend the money on one’s own betterment, or to give it early to the offspring.

LIKE self-improvement books, the purpose of pension adequacy surveys is to make us feel lousy about ourselves.

Lousy and scared: We haven’t saved enough because we’re myopic and lack self-control. We don’t have a retirement plan, and it’s getting late. That next avocado toast may deny our future selves a pair of reading glasses.