As an advocate for 401(k) participants, the only thing more frustrating for me than not being able to get Capitol Hill to make the plans walk and talk like pensions is tackling "innumeracy" on the part of academics who portray themselves as experts.
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As you stare at the smoking ruin of your 401(k), it's clear what you have to do to retire with dignity. Work a few more years. There's just one problem: When you retire isn't entirely up to you.
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