There are two tracks in America. On one track are people with almost no net worth who will depend on social security and their homes, if they own one, for reti

There are two tracks in America. On one track are people with almost no net worth who will depend on social security and their homes, if they own one, for retirement savings. The other track is people who actually read articles about retirement savings. They are a smaller group, often getting the advice meant for the former. They constantly hear that Americans don't save enough for retirement. The financial industry is constantly saying people aren't saving enough, in media venues that appeal to the affluent who don't really need that advice. But the more those affluent invest the more commissions they collect. So they stoke the anxiety to those who shouldn't feel anxious.