"Americans who earn less are more likely to tap their 401(k) plans early for cash. Furthermore, many workers are stepping away from workplace plans altogether, according to other recent data. These trends, coming amid potential changes to Social Security, government budget pressures and the nation's growing wealth gap, are raising concerns about the potential increased risk of poverty facing Americans as they age and prompting calls for possible policy solutions aimed at low-earning workers. 'We need new plan types,' said Karen Friedman, policy director of the Pension Rights Center[.]"  MORE >>