Stop fooling yourself. You don't need a Ph.D. in finance to set up a sensible retirement investing plan. Just follow the prudent advice of Walter Updegrave, editor of RealDealRetirement.com.
Step #1: Pick a savings target.
Step #2: Settle on your investing strategy.
Step 3: Do an initial assessment.
Read the details at http://time.com/money/3829155/retirement-plan-three-steps/