Be happy, and put retirement fears to rest

‘If retirement fears were color-coded, they would be somewhere between orange and red right now.

In honor of “National Retirement Planning Week” the investment industry has churned out a zillion studies, each saying that Americans are woefully unprepared or uninformed about how much money they will really need.

They’ve also launched a highly visible public relations campaign fronted by actor/comedian/game show host/sometime policy analyst Ben Stein and designed to scare the pants off baby boomers he suggests are delusional if they think they have enough money.

Meanwhile, Washington is threatening to “fix” Social Security. (Hmm … isn’t Medicare the one that’s really broken?)

No wonder all those sick-of-work boomers are getting nervous.

But the study I like best is the new one by Putnam Investments, which found that recent retirees are “a money-worried, cash-strapped group, dependent on Social Security” — but they’re happy!

Some 84 percent of the recent retirees surveyed by Putnam said they were satisfied with their retirement lifestyle, despite financial worries. As Putnam sensibly concludes, “there’s more to happiness than money.”‘

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