Obama Retirement Proposals Tell a Sad Story

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I appreciate how you acknowledge two dimensions, in that we can help folks now, or help folks later, and one will be more expensive.
While I have an instinctual aversion to the "manipulation" that behavioral economics seems to entail, it sometimes seems like a useful way to help people help themselves. Of course, the cost, especially in the midst of the current national debt, Wall St bailout, health care, etc., makes this more difficult. Potentially, less current taxpayer funding could be used towards the benefits part and increase the education piece piece you describe. Nevertheless, part of the problem is not education but inertia. I would suggest that inertia and lack of future orientation is a bigger issue than easy credit. The opt-out component may help, and in itself does not cost much.

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