For those of us lucky enough to have a job, and, better yet, a job that offers a retirement savings program like a 401k or 403b option, we have been introduced to mutual funds.  Faced with a bewildering array of choices, many just throw their hands up and do nothing.  That means their retirement savings are left in the default option, which is often a money market fund.  For those who have done just that, they are feeling like geniuses these days.  When colleagues complain ab