 Snarly move, Dad. Thanks, sweetie. So wherever you are in your retirement savings journey, head to aceyourretirement.org and start chatting with Avo today. That's aceyourretirement.org. A message from AARP and the Ad Council. At first glance, Terrence and Shania have nothing in common. Terrence is a musician. He's constantly traveling. He's 32 years old, single with no kids, and started smoking when he was 16.