"Spend a decade or two working hard, paying your bills on time and salting money away in your 401(k) at work. You've been hearing for years that this is the one formula that will allow you to achieve what you've always wanted -- a golden retirement. Except that for many Americans, the shine is beginning to rub off.... Last week, the Federal Reserve announced that the typical American family's net worth had dropped back to where it was in the early 1990s."  MORE >>