Carolyn Colvin, acting commissioner of the Social Security Administration

Retirement is an unpleasant reality for most of us, who'd like to ply our merry trade limitlessly into the fracas of the future.

But that's not going to be the case, and retirement planning and security, or the lack thereof of both, are a national priority and a budding enormous challenge.

Here, Brookings Institution fellow Fred Dews cues up a must-know line-up of 10 facts about Social Security and retirement planning. Housing and residential development are material to this list.

How about starting with this stunning one:

1/3 of U.S. households spend all of their available resources in every pay period

It goes uphill, or downhill depending on your glass-is-half-full perspective, from there.

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