Given that only about half of private sector workers are covered by an employer-sponsored plan at any given time, 16 states have launched – or are in the process of launching – auto-IRA programs that require employers without a plan to auto-enroll their workers in a Roth IRA. While these programs will help those without…
The gap in wealth between Black and White households has plagued the United States for more than a century. One reason for the lack of progress may be a disparity in will-writing by race – Black households are far less likely to have a valid will than their White counterparts. Having a will is associated…