Joseph Coughlin , CONTRIBUTOR

After 30-plus years in her career, Donna is counting down the months until retirement. She gleefully shares with me everything she has planned for when she can do whatever she wants, whenever she wants. But in the middle of her excitement, something turns her mood. She clenches her fists and asks me demandingly, “Where are my grandbabies?”

Donna is not alone. While I can't speak to her particular grandbaby-less predicament, I can say that her experience is part of a much bigger trend – one with serious implications for the Baby Boomers' retirement plans.

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