Life as AFAC

http://cgi.money.cnn.com/tools/retirementplanner/retirementplanner.jsp

I stumbled upon this retirement planner in CNNmoney where you list down your current salary and investments plan, your age, the age you want to retire, and the desired annual income after retirement. I typed down a conservative figure, and the age I want to retire (50), and after the software factored in inflation and all that… the chances of me retiring is …. 2%!!!!

WAPAIYA!

I didn’t even factor in a spouse or kids and holidays and expenses I would incur. Like buying a house and adult stuff like that. Even if I sell barbeque and lemonade outside our nice new office before and after work hours, and accept labada on weekends, I still won’t be able to make it. Apparently my measly money is not making money. Can somebody explain this ETF and mutual funds and money market and index and bonds and whathaveyous. I need financial advice. Desperately! Help!