It's so simple and obvious, it's amazing no one has ever thought of it before. Heck, it's such a great idea, I'm even willing to concede the debate on whether there's really a retirement "crisis." Here's how the idea first struck me …

Like my mother and father before me and like many other fathers and mothers today, I've had the honor to serve as a Scout Leader. In a way, it allowed me to ride shotgun with my son as he progressed from wide-eyed Tiger Cub, to a crafty Cub Scout, to an outdoorsman Boy Scout and finally through to a hands-on project management-oriented (and, yes, honorable) Eagle Scout.

Among the many fun things I did included counseling boys on their merit badges. My favorites were Astronomy and Robotics, but the kids mostly came to me for Personal Management. That's the one that had to do with money and finances. For some reason, they figured I knew something about that.