Teresa Ghilarducci is the Bernard L. and Irene Schwartz Professor of Economics at the New School for Social Research. She has a Ph.D. in economics from the University of California at Berkeley, and is the author of "When I m 64: The Plot Against Pensions and the Plan to Save Them" and Our Ridiculous Approach to Retirement, one of the most emailed recent "New York Times" articles. An expert on retirement, pensions, and personal savings, Dr. Ghilarducci has been featured in "Time, U.S. News & World Report, The New York Times, The National Journal, Parade, Money, Kiplinger s", and" BusinessWeek"....