"There is a real retirement crisis in the United States, but there is also a fake one. This article attempts to bring some levity and perspective as to which pieces of the sky are, in fact, falling.... [By] 'crisis' we don't mean anything obvious like war, famine, or national penury. Instead, 'retirement crisis' has come to mean simply that people aren't saving as much as they should and won't be able to retire with enough money to maintain their late-career standard of living. Admittedly, no one ever says it that way, but that's what they mean. This is not a crisis."