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    When Millions Can’t Afford to Retire, the U.S. Needs a Better Option

    When tens of millions of people all have the same problem, it’s not a failure of individual initiative.
    by Ganesh Sitaraman Jul 11, 2019 5 minutes
    Source: Shutterstock

    According to a recent Associated Press survey, almost a quarter of Americans say they plan to never retire, and it isn’t because they all love their jobs. The United States faces a retirement crisis. Workers have been forced to assume more and more financial risk, and as a result, many won’t have enough to live with dignity when old age arrives. Boston College’s Center for Retirement Research projects that half of workers will reach retirement with too little savings to fund it. When tens of millions of Americans all have the same problem of setting aside too little money for retirement, it’s not a failure of individual initiative. It’s a sign of a structural problem—one that can’t be solved by scolding people to save more.

    Fortunately, this is a problem that a

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