82% of American workers say achieving a comfortable retirement is much harder or somewhat harder than it was for their parents’ generation, according to CNBC’s August 2024 Your Money retirement survey. People already find retirement planning overwhelming—and just when they feel like they’ve finally got everything in place and their plan is on track, their financial advisor steps in and says it’s time to rebalance. Suddenly, they’re again faced with having to make decisions they were uncomfortable making in the first place. Plus mailbag questions about finances and retirement planning.