Saving for retirement has always been a part of an American’s life. It has just taken a different road over the last 30 yards or so. Remember the idea of working for a company wiyou woudl receive included lifetime income for you andth a ‘good’ salary and ‘great’ benefits? Well, some of those benefits that you woudl receive included lifetime income for you and your surviving spouse. It was called a pension. According to recent study, about 19% of American workers have a pension, nearly all in the government sector.