save for retirement

Fifteen years ago, this week, we proposed the Automatic IRA as a way to boost retirement saving among the multitudes of American workers – now numbering roughly 55 million – who have no retirement plan at work.

Sadly, 401(k)  plans may not be the best vehicle to guarantee us a secure retirement that will last through the years. Too many variable factors - the market's performance, the timing of  our retirement, the cost of our plan, our asset allocation and so on - can influence whether we're able to save…