By Sam Smith
I was driving along when one of those smugly assured network financial advisors began talking about how to prepare for one’s retirement. I reached my destination before I got her name but I sure got her message. Basically, it was not to count on having Social Security, Medicare, Medicaid or a pension – all likely to be gone. The only thing that would work would be a house whose mortgage had been fully paid. Of course, you’d need to own a house, have its value equal to the mortgage and be able to pay it all off.