published Jul 9, 2018 12:31:27 PM, by Barry Ritholtz (Bloomberg Opinion) — Each year, Vanguard Group releases its annual review of the state of retirement savings in America, focusing on the 401(k)s, 403(b)s and other defined-contribution plans that allow people to set money aside for retirement, and in many cases

As a parent or even a kid you can’t help but pay attention to other people’s words. Sometimes they leave a lasting impression that is very positive. Another person’s words can often help shape who we are. So much of our lives are influenced by other people’s words that it