It has taken me years to take saving for retirement seriously. Too many years.More than a decade ago, while working for a small newspaper in northeast Ohio, my co-workers and I attended a presentation where a well-dressed man with a monotone voice went into detail about our employer’s new retirement-savings plan—the investment options, fees, outlook and the company match. He used words like “financial headwinds,” and “fully vested” and whipped out pie charts to zhuzh things up.