Good article, if a bit too long. When it comes to retirement savings, I grapple with the same dilemma I have with other areas like drugs or gambling. What is th

Good article, if a bit too long. When it comes to retirement savings, I grapple with the same dilemma I have with other areas like drugs or gambling. What is the sweet spot on the spectrum where one end is a draconian nanny state dictating everything with minimal personal freedoms, and the other end is complete personal freedom to do anything one wants to themselves and live with the consequences. Like many things in life, the correct balance seems to be somewhere in the middle - a basic amount of mandatory retirement saving, incentives to save more if one wants to while capping those incentives so that ultra-rich don't game it, a minimal safety net for the unluckiest among us funded via taxes, freedom for one to invest in what they want, strict rules and regulations on providers of retirement plans & vehicles to prevent fraud. American system seems to have a lot of basic components in place and may need only some small tweaks, relatively speaking, to find the right balance.