Only a sliver of the population was into money and investing when Clark went on the air in the ‘80s. But today, people are really into investing and learning more about how to save for retirement. Part of the reason is because people no longer work for one company their entire life. People move around and so does their money. Over time, the cost of investments is what matters. Vanguard, for example, has the lowest costs and fees of any investment company, according to Smart Money magazine. And that will make a huge difference in the amount of money you end up with. The run-of-the-mill mutual fund will have a management fee of 1.5 percent of your money. Vanguard has about 1/10 of that fee, and Fidelity has fees that are 1/15 the cost of regular fees. You may think you’ll get an inferior product if you’re paying lower fees, but that is simply not true. Stick with the best companies – Vanguard, Fidelity and T. Rowe Price.