The closing, she said, was mandated by the retirement needs of the order's nuns, their calls to other service and "changing financial realities."

The obvious solution is to build on Social Security to take care of retirement needs.

Another seismic shift, this one demographic, has already begun to transform America's retirement needs.

Mr. Peterson says people should calculate their retirement needs and begin saving early.

But that is precisely what you don't want to do if you are trying to provide for your long-term and retirement needs.

Moreover, to the extent that households save more, Americans will become less dependent on public benefits to meet their retirement needs.

That, and the fact that people are living longer, will put a strain on workers to support the retirement needs of the elderly.

In addition to discovering the amount of money it takes to live on a day-to-day basis, it's smart to consider emergencies and retirement needs.

We are all dependent on the health of our economy to provide for our retirement needs.

Everything has been factored in, including company options, a profile of my retirement needs and a fund for emergencies.