"As an industry, incredible amounts of time and money have been spent trying to educate people and get them to better balance short-term and long-term rewards with little incremental impact being made.... [W]orkers with income in the bottom quartile were projected to have to replace 82% of their pre-retirement income. Social Security was projected to contribute 59% and 23% needed to come from personal retirement savings. To replace that 23% of income, these workers needed total savings rates of between 9% and 11%."  MORE >>