 So how's this latest stock market roller coaster ride treating you? You've worked too long and too hard, scrimping and saving for retirement to have it exposed to this volatility or gobbled up by some retirement spend down scheme. The definition of insanity is doing the same thing over and over, hoping for different results. It's time to get off the roller coaster and get serious about how you're planning for retirement. So you may have the retirement you've worked so long and so hard for.