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Jane White
Jane White is the founder and president of Retirement Solutions, LLC an advocacy organization dedicated to 401(k) retirement adequacy and the author of “America, Welcome to the Poorhouse,” (FT Press, 2009), which has been favorably reviewed by the New York Times, Newsday and other publications.

A Congressionally appointed delegate to the 2002 National Summit on Retirement Savings, White first observed the 401(k) savings crisis in 1993 as associate editor of Standard & Poor’s “Your Financial Future,” distributed to half a million 401(k) participants at Fortune 500 firms. She currently authors a blog on financial issues for the Huffington Post, has appeared on Fox Business News, CNN and CNBC, was a syndicated personal finance columnist for Gannett News Service and her articles have appeared in The New York Times, Barron’s, Working Woman, Newsday and Employee Benefit News. She can be reached at

Entries by Jane White

Would President Hillary Reverse Bill's Outsourcing Legacy?

(0) Comments | Posted April 21, 2015 | 12:22 PM

Democratic senators and member of Congress joined hundreds of steelworkers, union faithful and environmentalists April 15 in a park across from the Capitol in denouncing President Obama's bid for fast-track approval of the Trans-Pacific Partnership trade deal.

"I've never seen a trade agreement that is

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Obama Starts Addressing the Retirement Crisis by Getting Wall Street Out of Our Wallets

(0) Comments | Posted March 10, 2015 | 9:33 AM

President Obama should be commended for taking on the brokerage industry for ripping off multitudes of 401(k) participants. Last month he announced support for a Labor Department proposed regulation that would subject those advising 401(k) participants to a fiduciary standard that makes them liable for putting client money...

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Hilary's Biggest Challenge Isn't Just Bill's Outsourcing Record, It's Hers

(0) Comments | Posted November 19, 2014 | 12:03 PM

Days after Republicans feasted on her claim that corporations don't create jobs, Hillary Clinton tried to "be absolutely clear about what I've been saying for a couple of decades. Our economy grows when businesses and entrepreneurs create good-paying jobs here in America, not when we hand out tax...

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Unhappy 40th Birthday, ERISA: So Much for Retirement Security

(1) Comments | Posted August 29, 2014 | 10:28 AM

The enactment of the Employee Retirement Income Security Act on September 2, 1974 was inspired by the 1963 collapse of the Studebaker Corporation, whose pension was so poorly funded that even workers with 10 years of service got a tiny pension and about a third of the workers...

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Sorry, Starbucks: An On-Campus Degree Is Better Than an Online One

(1) Comments | Posted June 24, 2014 | 3:54 PM

My niece is a smart, hardworking gal who recently received her master's in architecture and is having a hard time finding a job, like many Millennials. To make matters worse, she's facing more than $93,000 in student debt. And this isn't from her bachelor's degree, but her master's degree --...

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Why Is Pro-Consumer Nader Pairing Up With Pro-K Street Norquist?

(0) Comments | Posted June 4, 2014 | 5:48 PM

Dana Milbank of the Washington Post recently described on a "preposterous political pairing" between consumer advocate Ralph Nader, and right-winger Grover Norquist, who have decided to join forces to support an increase in the minimum wage, since it would result in taking folks off of social welfare programs.

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The Best Mother's Day Gift We Can Give: A More Secure Social Security

(3) Comments | Posted May 9, 2014 | 5:50 PM

When my mother was born in 1908, women didn't have the right to vote--that right wasn't won until 1920. My mother was fairly ambitious for someone of her era. Certified to teach music and working as a seamstress--it was her income that enabled Mom and Dad to put a down...

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Why Are Many Members of Congress Among the Few Americans That Can Retire?

(0) Comments | Posted April 22, 2014 | 11:14 AM

Sen. Tom Harkin (D-Iowa) deserves praise for attempting to tackle our retirement crisis -- one of the few politicians to do so. However, rather than mandate that all employers offer a retirement plan and contribute the equivalent of at least 3 percent of pay, as is the case with

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Will Facebook Do an About-Face on Its Puny 401(k) Policy?

(0) Comments | Posted February 25, 2014 | 12:01 PM

The internet is abuzz with Facebook's decision to buy WhatsApp for a whopping $19 billion -- the highest price paid for a startup.

However, there has been little or no buzz about Bloomberg News/Businessweek's recent findings that Facebook offered no matching contribution to its employees'...

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Why Is the White House in Denial About Our Pension Poverty?

(2) Comments | Posted January 30, 2014 | 9:57 AM

About 15 percent of Americans don't have healthcare coverage, so President Obama brought about the Patient Protection and Affordable Care Act to remedy the problem. At the same time, 90 percent of Americans working in the private sector can't afford to retire. The remedy? Let some...

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New Year's Resolution: Help Sen. Warren Preserve Social Security

(1) Comments | Posted December 31, 2013 | 12:45 PM

Shop at a Target or Walgreens and notice a 70-something gal or guy behind the counter? Most likely they didn't take this low-wage job because they were bored in retirement, but because they were running out of money.

More than one million Americans age 75 or older still work, according...

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Why the Denial About the Retirement Crisis?

(1) Comments | Posted December 12, 2013 | 9:38 AM

The only thing more frustrating than the media's refusal to cover America's retirement crisis is that the trade group for the mutual funds who manage 401(k) assets continues to insist that the crisis doesn't exist. As reported by Reuters last week, the Investment Company Institute claims that in...

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We Need Warren, not 'Billary' in 2016

(4) Comments | Posted November 11, 2013 | 3:06 PM

Oops! Just three days after Sen. Chuck Schumer announced his endorsement of Hillary Clinton for president, New York Times columnist Frank Bruni suggested that maybe it wasn't such a great idea after all. "A poll released last week by NBC News and The Wall Street...

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It Sucks to Be a College Debt-Burdened Millennial

(5) Comments | Posted September 30, 2013 | 2:44 PM

The terrific Broadway musical, Avenue Q, focuses on the struggles faced by 30-somethings who are coping with financial stress. As the song, "It Sucks to Be Me," puts it, "four years of college and plenty of knowledge have earned me this useless degree. I can't pay the bills yet `cause...

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Why Is Obama Enabling a Fox to Guard the Fed Henhouse?

(1) Comments | Posted August 6, 2013 | 9:13 AM

Is Larry Summers smart? Maybe, given that he became one of the youngest tenured professors at Harvard at age 28. But so what? If you're smart and sleazy the sleazy cancels out the smart when you're being considered for a job running America's central bank.

What is most baffling is...

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Rich Colleges, Poor Professors

(69) Comments | Posted May 14, 2013 | 12:13 PM

Melissa Bruninga-Matteau is a single mother who relies on food stamps and Medicaid to survive. Her take-home pay is $900 a month, of which $750 goes to rent and $40 goes to gas. Where does she work? If you're thinking a fast food chain, think again. She's a PhD who...

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I'll Have What She's Having: How a So-called Retirement Expert Would Worsen Our Retirement

(10) Comments | Posted April 24, 2013 | 1:18 PM

As an advocate for 401(k) participants I should be grateful that Frontline produced "Why You Can't Afford to Retire," which aired last night on PBS at 10 p.m.

Unfortunately, not only did the episode inaccurately portray the biggest flaws in the plans as high fees and risky stocks and not...

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The 11 Biggest Flaws With 401(k) Plans

(20) Comments | Posted March 20, 2013 | 9:46 PM

1. Not enough people even have a 401(k) plan -- 53 percent of the population isn't covered. Since fewer than 10 percent of the population has a regular pension, a huge chunk of Americans depend solely on Social Security, whose typical benefit is around $12,000 to $20,000 a year.


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If Your Retirement Money Isn't Invested Globally, You're Toast

(2) Comments | Posted March 4, 2013 | 8:51 AM

The only thing more maddening than the media's refusal to cover the retirement crisis -- with the exception of the Washington Post -- is the fact that most of us don't realize that our eggs aren't in the right baskets.

Despite the fact that two-thirds of the...

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What's With This Hill-Billy Fixation? Warren Should Be the Next President

(12) Comments | Posted February 5, 2013 | 2:04 PM

It seems that every day there is new speculation over whether Hillary Clinton will run for president in 2016. For the life of me I can't fathom what these folks are excited about. Don't get me wrong, as a feminist I've always celebrated the accomplishments of the superior sex but...

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