[Lou L]

For discussion:

All the tools, information, and resources are useless unless people use them, and actually implement some kind of financial savings plan.

Question is, how do you encourage people to take advantage of tax-deferred savings, and what do you do with the people who fail to plan, who fail to save anything toward retirement?

[goodnesswins]

If you reward people for success.....you get more successful people...if you reward people for need, you get more needy people. It's whatever people are rewarded for....we reward WAY too many people for being needy in this country anymore.