Source: CNBC

“Every day, millions of Americans go to their jobs, work hard, and play by the rules to pay the bills and put food on the table each night. But they often struggle to then find any way to save for retirement. Currently, almost half of all American families do not have any retirement savings. That’s a time bomb waiting to go off….We face a looming retirement crisis that will impact millions of elderly and soon-to-be elderly Americans, as well as our children and grandchildren who will have to bail out those generations….How we will afford to care for older Americans when most American families have no or very little retirement savings? First, individuals and families must make saving for retirement a priority….Second, Congress must act as well. This retirement crisis is not news for policy makers. The dirty little secret is that government can provide all the incentives in the world for workers and families to save for retirement. But none of it will matter unless those workers and families make saving for retirement a priority as well.”

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