I must be old if I'm worrying about retirment

I must admit that I have always been a bit uneasy about the stock market as everyone's only source of retirement. I've noticed before that Mark Cuban seems to share some of my unease but his most recent post does a better job then I have even been able to of describing why the stock market is usually not an investment.

Whats an investor?

Mark Cuban makes a distinction between investments and speculations that I really like. I guess the next thing us just-starting-to-worry-about-retirement gen-x-ers need to figure out is what to do with that information? Mutual funds are so easy and actual investing seems so hard.