You hear Dave Ramsey and yours truly raise a fuss about saving up for retirement, right? Well, here's the why. The boys in the press are breaking the news that the Baby Boomer generation might be ready to outlive its savings as a group.

Even if someone from the Infant Bang age bracket adjusts their budget and watches how they spend the dough, they may face hard times. Sure, the media is probably doing its usual blow-things-out-of-proportion job, but the fact remains that too many people are saving too little cash for when they call it quits on the career. Their golden years will be more like copper.

Some time in your life, you're gonna see a sad old bub or dame who didn't save enough. Look closely; in 30 or 40 years, that could be you ... unless you start now. Get out of debt and stash away as much as you can. If you save too much, I'm sure you'll forgive me for that. If you save too little ...