Issue Briefs
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Employer-sponsored retirement plans – such as 401(k)s – offer a convenient way for workers to save through contributions deducted from their paycheck. Yet, many private sector workers lack access to an employer plan. In recent years, a number of states have aimed to give such workers a payroll-based savings option by requiring employers to either…
Social Security is the nation’s largest social insurance program and the backbone of the U.S. retirement income system. When Franklin D. Roosevelt proposed the program in 1934, he emphasized the insurance aspect, presenting it as a safeguard against the “hazards and vicissitudes of life.” And those hazards can start early. Many young peo…
