How to Retire Without Running Out of Money

Three men have a plan to save America from retirement insecurity. It involves the internet, a subscription service and, well, annuities.
The Biggest Retirement Mistake People Make
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Matt Carey studied Arabic at the University of Pennsylvania, preparing for what he hoped would be a career at the Central Intelligence Agency. Eleven years later, he’s pitching annuity contracts.

He’s actually happy about that.

A summer job at the State Department persuaded him that government service wasn’t as exciting as he first thought. So he headed to Wall Street, specifically Lazard Ltd. A stint at the advisory firm piqued his interest in a growing threat to the national welfare that didn’t involve espionage—retirement security. Or, more precisely, the lack of it across the U.S.