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Increased awareness and education could be a great help toward improving spending and saving habits and increasing participation and contribution levels to retirement plans.

There's a lot we can do to improve American's retirement security, but it's wrong to replace the guaranteed benefit that Americans have earned with a guaranteed benefit cut of forty percent or more.

It has long been said the only things in life that are certain are death and taxes. Automatic enrollment for insurance of 401k loans would add an additional certainty. Fewer Americans would suffer the unnecessary loss of retirement savings due to unanticipated and untimely misfortune in an already stressful time of need.

We want to develop innovative ways to promote savings so more Americans can save for their future, but first we need to reject privatization schemes and work together to strengthen Social Security.

The do-it-yourself version of pensions is a flop, as many Americans have painfully learned.

I agree that we must expand opportunities for retirement saving, but we must not undermine this worthy effort with a flawed privatization scheme that takes the 'security' out of Social Security.

Americans are not saving enough for retirement.

Under Reagan came the idea of putting your pension plan in the stock market, which wasn't a guaranteed pension.

Anyone with a pension or retirement is an investor in the stock market.

IRAs are intended for retirement.