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Retirement Savings Policy by Michael P. Barry

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Chapter 27 The Demographic Background

We’ve just completed a description of our current retirement savings system, built around individual choice enhanced by the libertarian paternalism of “Nudge.” This system is relatively stable and relatively “good at” improving retirement outcomes for those American workers that are in it.

Some questions and challenges, however, remain, and they will be the subject of the final part of this book.

Before addressing them, however, I want to take a step back and consider one of the bedrock fundamentals that underlies much of our thinking and decision making with respect to retirement policy: demographics. No one talks about this issue much, but it lies behind many of the issues we’ve been talking about in Parts ...

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