Pay off debt? Save for retirement? What are you doing?
There’s no easy way to get around the fact that the switch from traditional pensions to 401(k)s meant a move from backloaded to evenly-accruing benefits.
Should auto-enrollment and state-managed IRAs be pushing the poor into retirement savings? Or is there a better way?
Yeah, I seem unable to make up my mind: “we need simple consistent retirement advice for everyone” one day, “maybe level percents of pay aren’t all they’re made out to be” the next. So sue me.
What do you think?