Merlin takes a deep look at how the financial industry preys off of long term investors insecurities with regards to their retirement accounts. They constantly tell investors that they need to put more money into their retirement, or risk not having enough money to retire on time. Truth is, they probably are putting in enough money, just not getting the Rate of Return that they desire. Merlin points out current retirement trends which may cause listeners to rethink their level of inactivity in their retirement accounts.