The time left in the year is dwindling. So is the time retirement savers have to start saving, make ordinary retirement account contributions, add catch-up contributions, and apply for products such as annuities, life insurance and long-term care insurance. Parents take a baby home from the hospital, and, surprise: The baby is off crawling on a winding retirement planning race track, full of ups and downs, that she might not notice until she's 55 years old and already has a basketful of reading glasses sitting on the nightstand. For a look at seven new jokes about what that baby (or 55-year-old) is up against, see the gallery. Credit: Woraphon/Adobe Stock
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