We recently read “The Greatest Retirement Crisis in American History” in Forbes by Edward “Ted” Siedle. In it, Sidle argues, as the title eludes, that we are about to experience the greatest retirement calamity in our nation’s history. He suggests we are in wave one of up to four waves caused by retirement planning shortcomings. The first wave, which recently started, forces retirees back to work. “Welcome to Wal-Mart.” The second wave delays retirement for most. The third wave cancels retirement for most and the fourth wave financially ruins most senior citizens.