> We should enable people to simply and easily save for their own retirement Perhaps that would be reasonable if everyone were paid enough income to handle all

> We should enable people to simply and easily save for their own retirement Perhaps that would be reasonable if everyone were paid enough income to handle all their expenses and save for retirement. Of course, that's not the case for probably 30-40% of the population. As things stand now, it's just cruel to lecture those people that they "should have done a better job of saving" (and I hear that a lot these days).