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Despite our best planning efforts, the sad reality is that the current system of retirement planning in America ends up in failure for as many as 70 percent of our nation's retirees.. What does retirement failure look like? Author, radio host, and all-around retirement planning expert Rajiv Nagaich defines "failure" in three ways: ending up forced into institutionalized care, going broke, and being a burden on those we love.. The problem with the current system of retirement planning is not a lack of planning itself, but rather, the way in which these plans are coordinated. While planning for financial, legal, and housing is extremely important, these individual plans can't guarantee your retirement dreams if they are not working together to accomplish your ultimate goal of retiring comfortably.