Constance Gustke is a New York-based journalist who writes about emerging mega-trends and personal finance. She currently contributes regularly to CNBC.com and the "Retiring" section of The New York Times. And she has also written for Forbes, The Atlantic, CBS Moneywatch and several other venues. As a reporter at Fortune, she co-reported a ground-breaking story called "Will You Be Able to Retire?" that alerted baby boomers to a looming money shortfall spurred by lower pensions and inadequate savings. The story was a finalist at the prestigious National Magazine Awards.