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I think the contrarian view does have actually have some merit and isn't all about press.

I'll speak to this from my perspective as a chiropractor, with Medicare aged population maybe that's 15% of my practice.

When you get to be 65, truthfully, your life becomes more about going to the doctor (whether a DO, DC, MD, DDS, DPM). These people are up at 4:30 am wondering why I'm not open at 6 a.m. Okay, that's an exageration but truth be told, you are probably going to have some problem into Medicare years - whether its adult onset diabetes, a bum knee, a bum back, hypertension, prostate problems, etc.

I think squirreling everything away for that someday when you are going to do a grand tour of the world courtesy of Princess Cruise Lines is unrealistic.

What makes this group of people happy in my practice, especially males, not as much, females, is to contribute to society in someway. They come to me once/month, visit the family doctor next door to get their blood work done and all. . .and work producing something.

What that translates into: working part-time. Maybe for a female, it means running for mayor or serving in charity or answering the phones somewhere. The rest is usually spent visiting and playing with grandchildren. Men usually want a paycheck.

What's my point? I think most of these retirement formulas of needing 2.5 million dollars to maintain your lifestyle, yadda, yadda, are bullpucky.

That's assuming you turn 65 and PLOP!!!! You sit on your rumpus, day in, day out, watching Jerry Springer re-runs.