Have you given much thought to the mechanics of how you’re going to get paid, after you retire?  David Blanchett, head of retirement research for Morningstar, says there’s actually some disagreement over how that should work.  So, what’s the difference between just spending down your nest egg … and using that nest egg to generate income?, So, what about prices today?  Well, the cost of seeing a doctor is 5% higher today than it was this time last year.  The cost of toilet paper is nearly 8% higher.  The price of a bag of oranges is nearly 10% higher … and the cost of filling your gas tank?  That’s more than 22% higher than last year!  In other words, our buying power is going backward!  If this trend continues, what could that mean for our buying power in retirement?