Photo source: Metro ServiceIt’s important to save for retirement. Americans are living longer and saving less. ■ By Nathaniel Sillin / Contributed The picture of retirement that many of us have is a post-work period filled with travel and plenty of relaxation. It’s a time when you can finally take up a new hobby, sink into a pile of books and enjoy more time with family and friends. The reality is that many haven’t been able to save enough money to enjoy this idealized retirement. What might their retirement look like? You may be working for longer than you expected. Many people undergo a period of “phased retirement” and either reduce

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