Retirement Hell is that phase of life when retired individuals lack the money to maintain a dignified lifestyle and must rely on government assistance to pay their bills. It will include many hard-working families that were able to maintain a satisfactory lifestyle during their working years, but due to a lack of savings and pension income, they are unable to fund a retirement that may last over thirty years. If government pensions are your primary source of income, it will be a challenge to enjoy retirement while living in poverty. A lack of money not only destroys the dreams and plans that had been formulated through our working life, but it also creates a world that is often without hope. A bad situation can become worse when our health starts to decline and we can no longer live at home. There will be too few retirement beds, personal care workers and health care professionals. For many individuals, this is their future and it is unclear at what point in time they will make this discovery. A lack of financial independence during the final phase of your life is retirement hell. Retirement Hell has four sections:

1. How we arrived at this point. This section outlines how boomers became the most privileged generation in history and why the good times are coming to an end.
2. The future - Outlines a pessimistic view of the future and explains why funding a dignified retirement may be beyond the reach of many families.
3. The New formula - The baby boomers formula for success is obsolete and has been replaced by a more challenging path to financial security. This section outlines the new path.
4. Worldview - A perspective on financial planning that can be summarized by an old hockey adage "keep your head up when you cross the blue line."