Opinion: Get your head out of the sand and create a retirement plan

If ignorance is bliss, then ostriches — famous for burying their heads in the sand when stressed — might be the happiest birds in the animal kingdom. 

There’s just one problem with that theory: ostriches don’t actually bury their heads in the sand.

Instead, when overwhelmed or afraid, ostriches run away or hide — reactions I’ve also seen from…