An idea.
Forget Stocks and other gambles(Investments).
How about a website that you can access your Personal Finance Analysis, from your phone, PSP, or internet enable laptop.
What I'm proposing is purpose driven lives, retirement. On this website you create your own personal accounting system. You enter income, fix expenses(short and long-term), and variable cost and income; then possible retirement options are made available to you. In otherwards, a retirement plan is practical to your life, instead of trying to create a life that doesn't exist to create an unrealistic retirement.
Of course their are other conditions and factors that would be entered, but what would make this program unique is updated progress by entering on the spot expenses. You see how your day to day spending is affecting your retirement options.
I've just came up with this, but imagine seeing how your retirement options are limited and expanded by your real-time expenditures. No more guessing about your future.
Other things could be included like, like education, bonuses, supplement income, and reducing healthcare and automotive cost by life choices.
I'm just saying.
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