IN THE MONEY

Social Security?

Financial retirement plan? What plan?

I should have started it years ago, but at 25 I was thinking about braces for two little kids, not saving for retirement?

My nest egg looks like a hummingbird's. I might as well forget it and learn to like living in a modest ranch house in the hills of Georgia.

There are ways to catch up, but who can afford those? Another 10 percent here to max out 401K deductions and another $100 a week there for a catch-up plan.

What's a couple hundred dollars a week more taken out of your paycheck anyway ...

I'll never miss it. Right?

I guess counting on the lottery is out of the question, too.