Most Americans are anxious about when – or even if – they’ll be able to retire. And we’re not wrong. Social Security is on shaky footing. Half of Americans on the cusp of retirement have no money saved for it. This isn’t how retirement in America was supposed to work. But 40 years ago, Congress shifted the US away from employer pensions and toward a do-it-yourself system based on 401K retirement saving plans. It’s not going well. In this episode we get to the bottom of why so many Americans are unable to retire comfortably and end up, instead, living in poverty or working well past age 70. And we’ll learn what we can do on an individual and national level to improve retirement in America.