As we watch CoVid-19 wreak havoc on our citizens’ health and finances, one wonders about a future. A future we all hope is of good health and spirits but also one with a retirement free from privation and need. Wall Street and the federal government have historically encouraged us to save for retirement by our investing in pensions, 401(k) plans and I.R.A.’s. Because these funds are usually invested in the stock market, saving for retirement seems to work when the market goes up but fails us when we experience steep declines as have now happened. The logical collateral damage is our need to save more and postpone retirement.