okay, so, we have associations rocking

db/migrate/20130524222129_create_retirements.rb

@@ -0,0 +1,12 @@
+class CreateRetirements < ActiveRecord::Migration
+  def change
+    create_table :retirements do |t|
+      t.string :total
+      t.string :employee_contrib
+      t.string :employer_contrib
+      t.integer :user_id
+
+      t.timestamps
+    end
+  end
+end