Not long ago everyone knew what the word retirement meant--retire at age 65 after 40 years at the same job and coast through your golden years courtesy of a comfortable nest egg. But now, age expectancy is higher, savings are slimmer, and people change jobs more frequently. Clinging to this outdated concept of retirement only gets you a room in your kids’ house.Your retirement is going to require an incremental approach to planning--and you must begin now. This requires conscious engagement, diverse interests, and the ability to adapt.