Saving for retirement

So if you’re one of the “grandchildren” who will be left holding the bag – I wouldn’t bother saving for retirement at all. The 12% ROI figure that has been spouted by financial gurus for years is a joke. Hopefully this is obvious over the last 12 years. Forget the stock market. Look for alternatives. Nearly any alternative will do. Even housing is a better bet, but precious metals, personal skills and education, and side businesses are a better bet.