They aren't going to be able to retire anyway so it's almost moot. The average amounts saved by age are predictable and depressing. Anyone would have predicted and did that voluntary retirement contributions and management by underpaid laymen would be something the general public failed at compared to a world where pensions were something companies managed to say nothing of the fact they were guaranteed.

This paired with refusal to fund social security--but always plenty for wars, tax breaks and surgeilance--is deliberate, designed and depressing. 95% of Americans will work until they die.

This is great news for the 0.01%