Personality counts in retirement planning

This just in: you need a certain amount of money to retire comfortably. Experts caution this number varies widely person to person, and can be of unsettlingly-large magnitude.

Let's all thank the marketing geniuses at ING for these deep insights, courtesy of a new, eight-figure marketing push that attaches a bright orange dollar figure -- literally -- to nattily-attired Boomers populating the firm's new TV ads.

That flushing sound you hear is millions more marketing dollars going down the toilet, as yet another financial services supermarket gets ready, fires, then aims at the $10 trillion in assets controlled by Boomers moving toward retirement.