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The Editors

Saving for Retirement Is Harder Than It Needs to Be

People are naturally bad at it, and decades of misguided policy add to the challenge. A nudge in the right direction can help.

Go figure.

Go figure.

Photographer: Jay Mallin/Bloomberg

This is part two of a series. Read more articles at the end of this editorial.

The U.S. government has long offered myriad contrivances and enticements to get Americans to save enough for a comfortable retirement — so far with woefully inadequate results. But why should it be involved at all? Why can’t people be responsible enough to prepare for an entirely foreseeable event?