Today’s top story: Retirement costs that could surprise you. Also in the news: A new episode of the SmartMoney podcast on keeping your New Year’s money resolution, how procrastinators can win at gift-giving, and another reason to not pay for your gas at the pump.

Retirement Costs That Could Surprise You
Covering all the bases.

SmartMoney podcast: ‘How Can I (Actually) Keep My New Year’s Money Resolution?’
Making it past the first week and beyond.

How Procrastinators Can Win at Gift-Giving
You might need to leave the house.

Another Reason to Not Pay for Gas at the Pump
Hackers have a new way to steal your info at the gas station.