I mentioned this obliquely a couple of weeks ago, but I’m wigging out a bit about retirement. In 39 years I will be 65, and I don’t have solid plans with numbers behind them. Socking away $5k a year into an IRA just isn’t enough. Back in the day, I loved, loved, loved Microsoft Money’s Lifetime Planner. It asked you all sorts of questions about when you were going to have a kid and how much you were saving in various accounts, their expected returns, how much you thought you needed to live on in retirement, etc. Then it crunched the numbers and gave you a big graph showing your…