"[M]ost of the retirement crisis articles are predicated on data showing that many defined contribution account balances are insufficient to support a comfortable retirement, when, in fact, this is just a small piece of the retirement equation. To figure out whether a person will thrive in retirement from a financial perspective, there are many pieces to the puzzle, including: Social Security ... pension income, income generated by defined contribution retirement plan account balances, earned income ... expenses in retirement, degree to which the retiree is insured against financial risks ... longevity, familial situation, and taxes, among others."  MORE >>