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How to Save America's Broken Retirement System, According to the Man Who Revolutionized Investing for Main Street
Business Insider 
[Opinion] Jan. 26, 2017
[John C. Bogle said:] "At first, the 401(k) was designed to be a thrift plan, an extra, a savings plan. It was never designed to be a retirement plan. You can see it in its very structure. There's no requirement to put money in, no requirement to pull it out. It's too flexible.... There ought to be restrictions, much more serious restrictions on taking your money out. You need discipline putting it in and the limits on pulling it out."
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