There are no extensions for IRA contributions, even if you have an extension to file your tax return.

mutual fund tax trap.

You can't get the refund if you don't file a return.

This way, if there are any problems, all the retirement money isn't at risk.

Retirees are much too loyal to the company that employed them, ... When it comes to retirement savings, your first loyalty must be to yourself.

All the calculators do is project an interest rate and a tax rate for retirement. You can't rely on that. It's a guide, maybe.