On the retirement mess, you ought to check it out.
It appears you just can't save enough.
This interview with the guy from Vanguard is particularly interesting and has generally good advice, but it leaves out a big point or two: today with ETFs, it is nothing short of criminal what open-end mutual funds charge clients for "sector" funds, and the fact that you can not go "short" in a 401(k) plan means these plans will always be weanies compared to hedge funds. (You can sort of do that in an IRA, now that there are mutual funds that take short positions, but you'll be paying quite high management and account fees.)
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