Sure, building the wealth we want to retire well is hard work. However, let's look at the bright side. One hundred years ago, we'd probably be dead. Tom and Don talk about the current state of retirement in the U.S. and share some ideas for making it better. Listeners ask: What's the correct asset allocation for a portfolio including an HSA? How should I invest in retirement? Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!