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The 401(k) Is Tearing Society Apart

Economy
United States
Started January 16, 2026

The 401(k) Is Tearing Society Apart It’s a financial-planning axiom that’s become virtually sacrosanct: you’re probably not saving enough for retirement. Starting as young as possible, you should scrimp and save and sacrifice like your future life depends on it—because it does. Given that Americans believe they need $1.26 million to comfortably retire yet only half of all households have any retirement savings at all, the advice may seem on point. But what if we’ve got it all wrong? Over the ...

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CLAIM Posted by will • Jan 16, 2026
The 401(k) system promotes personal responsibility, encouraging individuals to actively save for their retirement and secure their financial future.
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CLAIM Posted by will • Jan 16, 2026
The conversation around retirement savings should shift from individual responsibility to broader systemic changes in how we support aging populations.
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CLAIM Posted by will • Jan 16, 2026
401(k) plans incentivize risky investment behaviors, as individuals may not have the financial literacy to make informed decisions about their savings.
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CLAIM Posted by will • Jan 16, 2026
The reliance on 401(k)s exacerbates inequality, leaving low-income workers without adequate retirement savings while benefiting the affluent.
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CLAIM Posted by will • Jan 16, 2026
Encouraging early and consistent savings through 401(k)s can foster a culture of financial discipline that benefits society as a whole.
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