MEGAN MCARDLE: Sorry, Folks: One Way or the Other, You’ll Never Be Able to Completely Count on Retirement. “We’re just picking how we want to take our risk, not whether we want to take it. And if there’s one thing we should have learned from the financial crisis, it’s this: the minute we decide that we don’t have to make that choice–that we have figured out some way to get rid of the risk altogether–is generally the moment that the universe decides to give it to us, good and hard.”