Although a troubling number of executives and brokers with bailed-out firms still seem to be on track with an ultra-cushy retirement, yours might be derailed. Reality-check time: You probably won’t be able to retire when you hoped to unless you make a lot more money and save it. Since your retirement funds are probably ravaged, it’s no surprise that you may need to work longer.

Although a troubling number of executives and brokers with bailed-out firms still seem to be on track with an ultra-cushy retirement, yours might be derailed. Reality-check time: You probably won’t be able to retire when you hoped to unless you make a lot more money and save it. Since your retirement funds are probably ravaged, it’s no surprise that you may need to work longer. This is bitter …