Sure, we just went through what may have been the worst recession in the last half century. People’s careers changed (usually not voluntarily), expenses went up while personal savings went down, down, down. In some cases, people were forced to plunder their entire retirement account in order to keep afloat.

But think about it this way: our grandparents and great-grandparents went through the Great Depression, and the majority of those folks managed to eventually retire.

So, why can’t we? Can we really continue blaming the economy for not having enough to enjoy our golden years . . . or is there something we can do about it?

As it turns out, retirement accounts tend to be underfunded (or not funded at all) either because of something we’re doing incorrectly, or because of something we’re not doing at all.

Consumer Reports recently released this terrific article about common mistakes people tend to make in preparing their retirement accounts. It outlines what you should depend on and what you shouldn’t.

So give it a look over, and when you see us in 30 years, offer us a ride on your brand new yacht.