Retirement plans are inspired by fear of old age and the degenerative diseases that accompany it. When one doesn’t have a job anymore, and the bones in one’s body start creaking a little too much, it...
If you were to design a retirement program from scratch, you probably wouldn’t create what we have now. The problems with the 401(k), IRA, Social Security “system” — or hodgepodge, if you prefer —...