DR. B. BOOMER — an unfortunate, but fictional, dentist — worked and saved for years, only to see her portfolio shrivel after a series of investments in orthodontia-related dot-coms a decade ago. She then put her money into seemingly safe financial firms, like A.I.G., and was hammered during the subsequent downturn. Her plan to retire by selling her Scottsdale McMansion isn’t going well either. So the poor woman is spending her 65th year, not in glorious retirement, but fixing fillings for screaming children and generally annoyed adults.