As we walked out of the hospital, my sister turned to her kids and said, “Please take care of me at home if I get as sick as your grandmother.” I turned to my husband and said, “Just put me in a nursing home and go on with your life.”

Emily and Brad are a married couple in their late 40s with a couple of teenage children.

Many people are aware of the benefits of using a traditional 401(k) or an individual retirement account (IRA) to save or invest money for their retirement, but they may have either not heard of—or possibly overlooked—the advantages of Roth savings opportunities within their employers’ retirement plans.

Accumulating a substantial nest egg for your retirement years may seem overwhelming, but there are smart ways to plan for retirement at every age, says Eric Freedman, chief investment officer for CAPTRUST.

When it comes to saving and investing for retirement, there may be a quiet battle of the sexes going on in many households.

My father is a big fan of the K.I.S.S. principle (“Keep it simple, sweetie.” What? Your father calls it something else?).

“The key to building wealth is simple in theory but difficult to do: Spend less than you make and invest the rest,” says Jean Duffy, a CAPTRUST financial advisor in West Des Moines, Iowa.

Saving and investing for retirement is a marathon, not a sprint. You have to plan for it, work at it and, if possible, get help from investment professionals.