Retirement planning is more intimidating than any other personal finance topic. We know we should be saving, but not how much. We know it’s important to use a tax-deferred account, but now which one. And, most devastatingly, we leave saving itself completely up to chance, trusting that we’ll have enough willpower to set money aside for 30 to 50 years. Luckily, funding a secure and enjoyable retirement need not be mysterious. Here’s exactly what to do.