What if everything people were being told about retirement planning was not true? Well, maybe lie is too strong a word. Perhaps misleading is better… or outdated. There, that’s it; outdated. Everythig we’re being told about retirement planning is outdated. We’re all told to max out our 401k, 403b or other employer-sponsored plan. And when we’re done with that, we should put more money into an IRA or a Roth IRA, unless of course you can’t because of the restrictions and phase-outs. Here’s the big problem though. Things have changed, and they’re really important things.