I think that the holidays feel like frozen noses. I love walking with the dog for long periods of time.

Hopefully it's snowing and you've got to wrap up warm. So I think a frozen nose is

then sweaty armpits because like you're wrapped up so warm but then you're climbing hamps

and heath and you get to the top and you're like and then you can see the breath

but then your nose is still freezing to touch.

Joy in every sip with red cups now back at Starbucks.

It's my pleasure to welcome you to the Clark Howard Show where our mission is to

serve you and empower you to make better financial decisions in your life.

One place you can find out how to make better decisions about the monthly cost in your life,

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Unfortunately I need to talk about something that's a tough stat to relate.

It's the lack of funds that most people approaching retirement have today.

And the boomers that are I'm the middle year of the boom.

The boom was 1946 people born 46 to 64.

I was born in 1955 and could be talking about your parents right now.

Maybe your grandparents who were in the baby boom a lot dealing with severe financial insecurity

as they reproach retirement. Now at the other end I got great news about the opposite age group

and that is there's more and more effort to teach people when they're young about finances

so you'll be in good shape. Now what I have to share with you is just facts okay.

There was a study done by Trans-America that found that the average baby boomer

has an amount of money saved going into retirement that will safely generate only $8,000

...