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What’s the devil in the details here? The first three proposals seem to be an attempt to limit the use of retirement accounts for estate planning or wealth transfer. That may or may not make sense from an overall budget perspective, but we need to ask if placing limits on retirement savings is the right message to send at a time when we are focused on getting people to save more.

Oh look, someone else noticed.

The final two are more consistent with the Administrations’ focus on retirement in that they are designed to help get people into the retirement system or help them stay in it. And that approach – getting people into the retirement system, making it easy for them to save, and encouraging them to stay – is one of the promising ways forward when it comes to solving the retirement crisis.

So maybe there is hope. Nothing quite like mixed messages, though.

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