The commune. Many claimed “commune” was short for “communism” when it rose to prominence in the 1960s and became popular among hippies, yippies and beatniks. Those libertines seemed more interested in smoking weed, growing long hair and partaking in the sexual revolution than becoming contributing members of traditional society.

That way then. Now that cohort is the aging baby boom generation, and they are retiring at a clip of 10,000 per day. Actually, it’s more accurate to say 10,000 per day are turning age 65, which we have long considered retirement age.

Here’s the problem: 57 percent of American workers have saved less than $25,000 for retirement, and 28 percent have saved less than $1,000, according to statistics compiled by the Employee Benefit Research Institute. Good luck retiring on that paltry serving of cheddar.

Those financial straits are why conversations among the retirement-age set so often includes notions of taking Social Security c