Financial researcher Larry Swedroe offers several reasons you may not be getting the returns you’ve enjoyed in the past, and he challenges Jason Zweig’s assertion in the Wall Street Journal that it’s because there are fewer stocks to choose from. Plus, 4 Ways To Reduce RMD Taxes - what are QCDs and QLACs, anyway? And, can you retire at 60 when you’re 43 and have no savings? How do chauffeurs and ambulances play into that equation?