Gary Goldberg discusses the current state of the U.S. retirement system, highlighting its shortcomings and the importance of personal pension plans. He emphasizes the need for effective budgeting strategies, particularly the 50-30-20 rule, and the significance of engaging couples in the retirement planning process. The conversation also covers the complexities of Social Security benefits and introduces the concept of 'loud budgeting' as a modern approach to savings. 

You can hear more of Gary on KMOX NewsRadio 1120 every Saturday or if you have more questions, you can simply check with Gary Goldberg at www.checkwithgary.com.