Excerpt: People realize they are not saving enough, according to surveys, but they simply aren't doing anything to improve the situation. So, says The Saturday Early Show financial adviser Ray Martin, many employers, mutual fund companies and financial consultants are pushing a 401(k) concept that works with human behavior rather than against it. 'The autopilot 401(k) plan concept is to make certain decisions an automatic part of the plan ...' Ray explained.  MORE >>