Every time we're confronted with a crisis, I'm reminded that the majority of our fellow citizens must rely on their retirement savings (if any) and their Social Security annuity for an adequate old-age income stream.
This is a daunting task that most fail miserably. They fail because participation in their employer savings plan is voluntary. They should make believe that their participation is mandatory and contribute the maximum amount allowed by law. Should they not have an employer savings plan, they should contribute the maximum allowed to a no-load (no-commission) Roth IRA.
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