Over the next 16 years about 8,000 baby boomers will leave the workforce each day. These retirees will depend on savings and social security to live out their so-called golden years. For many, these years will be a struggle rather than the easy living they once looked forward to.

“One-third of American’s haven’t saved anything at all for retirement, and one-half say they don’t have enough money to save,” says Martin Smith, correspondent of “The Retirement Gamble, a Frontline report that will broadcast Tuesday evening, April 23. About 57% of U.S. workers have less than $25,000 in savings and investments excluding their homes, according to the Employee Benefit Research Institute.

Not saving enough is only one of the many problems that baby boomers are facing. Another one, says Smith, is the money that baby boomers and other savers forfeit to pay the high fees many mutual funds charge to invest their retirement savings.

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When a couple says ’til death do us part, they may assume a divorce would render this marriage vow null. But in a number of states, permanent alimony laws still bind divorcees together until the grave (or remarriage).

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According to US News and World Report, this financial life sentence after divorce persists in states including New Jersey, Oregon, Vermont, Connecticut, North Carolina, West Virginia, and Florida (typically for marriages lasting at least 10 years).

But a number of states are working on reform, including Florida, where just last week lawmakers approved a bill that would limit the amount of financial support an ex-spouse receives based on the length of a marriage.

Alimony reform advocates are looking to make similar changes in New Jersey, and two of them sat down with The Daily Ticker to talk about it.

“For marriages lasting a relatively short period of time, alimony for the rest of your life is the rule rather than the