"[T]he reality is that not everyone is going to shell out 89 big ones for an umbrella, no matter what the brand. For a large segment of the U.S. population, money is a scarce resource and confidence in a secure future is low. According to ... [a recent survey,] 68% of respondents say they have 'little to no' confidence in the stock market as a way to prepare for retirement, [while] 80% of investors urge lawmakers to act now so that savings is encouraged. Unfortunately, most of the initiatives that individuals cite as 'must have' elements of a national retirement readiness program are in direct conflict with the political grab to raise taxes."

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