Scary.<p>The absolute most important datum is "How long will I live?" not 90 for sure (like the article says).<p>Ten years more is my guess for me. Makes living now much easier.<p>If your $ is not in your bank or mattress don't count on it.<p>My state wants a constitutional amendment to guarantee teachers pensions.<p>Having a math mind and reading this brings back the "magic" of money. Some dude fixed my roof magically for money. But pension magic is black magic. Nothing but a trick,Bullwinkle. "Again, wrong hat!"