An Innovative Way to Face Retirement

A new app encourages retirement savers to picture themselves in old age.

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[Read: 10 Ways to Get Ready for Retirement in 2013.]

Erica Agran, 41, of Chicago, shared a photo of herself at age 57 produced by the face retirement app on her blog, Erica Finds. "It got me interested and thinking about my retirement number and when I can retire," says Agran, who already maxes out her 401(k). "I think the fact that they went out so far into the future when you are 107 years old makes it more like a novelty and something harder to take seriously." Agran isn't convinced that the app produced a realistic representation of what she will look like in old age. "It seems to sag your face a lot, but your hair doesn't change," she says. "My mom doesn't look like that, so I'm pretty sure I won't either."