published Jan 23, 2018, 10:55:21 AM, by Justin Fox (Bloomberg View) — You’re 49 years old, you make $113,000 a year and you’re starting to get worried about financing your retirement. You could take the drastic step of upping your retirement savings by 10 percent of your salary. Or you

Michael O. Sajbel is a motion picture writer and director.  His most recent released films are The Ultimate Gift starring James Garner, Brian Dennehy and Abigail Breslin which was released theatrically by Twentieth Century-Fox and was one of the top selling family drama DVD’s of 2009/2010 and One Night With