Can you imagine toiling your whole life as a working drone just to fall into abject poverty upon your retirement? It's a reality for an increasing number of people. And blacks and women of all races are most likely to face poverty after retirement. According to the AARP, women and minorities need to start educating themselves about retirement plans and family finances early in life, which means we should already be thinking about our finances 30 and 40 years from now. I don't even like to think about my finances now. But the stats — 2/3rds of poor white women in retirement were not poor in their earlier years, and the poverty rate for older black women is three times that of whites — are definitely motivation. [CPD]