One problem I have with the doom-and-gloomers is that they may be discouraging people from starting to save at all. If people are told they need (say) a million dollars, and someone has no chance in hell of getting even close...maybe they just say "forget it" and don't even try, out of despair. So instead of having a couple hundred thousand by the time they reach their 60s, they have...nothing.The alarmism may be a useful kick in the butt -- but it can also be discouraging, too.#29
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