U.S. News & World Report:  The rules of retirement have changed over the past generation. Individuals must now take more personal responsibility for their retirement finances, even as life expectancies increase and personal savings rates remain low. “Each succeeding generation is looking at a less secure retirement, with today’s seniors being the best off,” says Mark Miller, publisher of RetirementRevised.com and author of The Hard Times Guide to Retirement Security: Practical Strategies for Money, Work, and Living. “This has to do with everything from the decline of defined-benefit pensions to the diminution of Social Security and health benefits, not to mention the worst economy since the Great Depression.” Here are some key ways your retirement will be different from that of previous generations of retirees..