Archive: Mark Iwry
![Mature man is hired to handle outreach to senior adults](https://crr.bc.edu/wp-content/uploads/2022/11/financing_retirement_7-1536x1024.jpg.webp)
Introduction Public policies toward private pensions reflect a fundamental tension between free choice and paternalism. When people act in their own best interest without harming others, government intervention is unwarranted. But a key motivation for public policies to subsidize retirement saving in the first place is the belief that, without such subsidies, people would fa…