A new and more somber reality is going to take the place of golden dreams; one that will probably be comprised of working longer and harder, more funds needed to fulfill those dreams of ideal homes and once in a lifetime trips, plus more careful financial planning to satisfy the needs of both parents and kids. Yes, a more harsh reality is awaiting us at the end of this tunnel. I am going to leave you with a very insightful reference to check out. One that will introduce you to the new reality of the future. Please see below. Mark Miller: After the Crash, a New Realism Emerges About RetirementBy Mark Miller The huge generation of baby boomers now approaching retirement has been forced to stop kidding themselves.