Land of the Free, Home of the Broke. Here's how YOU can dodge the retirement disaster

So many people believe the lie that if they just work for 40 years, they should be able to retire—without ever actually pulling out a calculator or looking at the data. Then, once those people hit retirement and their Social Security checks are barely enough to survive on, they’re left stressed, angry and hopeless.

Needless to say, many Americans are facing a retirement crisis, and a lack of planning (or your family’s lack of planning) could put you next in line for this bleak ride. Seniors in the U.S. still have mortgages...