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Are We Under-Saving for Retirement?
Robert J. Samuelson in The Washington Post; subscription may be required Link to more items from this source
Apr. 28, 2014
"A realistic replacement rate, though hard to measure, is well below 80 percent. As important, the concept's usefulness is limited. Matching pre-retirement living standards can be desirable, but it's not a proper public-policy goal. How well people live in retirement depends mostly on how productively and prudently they lived before retirement. It's a matter of personal responsibility. Public policy should aim more modestly at protecting against hardship.... Studies aside, there's little real-world evidence of pervasive under-saving."

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