now? what can they do? they can work through retirement if they have a job. hard to save anything right now. what they need to do first of all is take advantage of your 401(k), your ira. really maximize those. the bottom line, though, according to retirement expert walter who we spoke with today, is this is not just about smart investing. this really comes down to savings and saving in the long run. take a listen. for the most part, people think that retirement the retiring is an investment solution i need to pick the right mutual funds or the right stockings. it s really a savings question. so you should be for the most part putting away at least 10%, probably closer to 15% of your salary. and that sounds like a big number, but he s talking about saving that much even in your 20s and 30s. the amount you have to save it all has to do with when you started saving. i wanted to show you something. this is something a lot of people in this situation, millions of baby-boomers have