So many Americans don't invest in the stock market, including in 401(k)s. This is distressing to me. There are very few pensions left anymore. Social security isn't going to be enough, even if it is solvent when you retire. What do people intend to do for money at retirement age? It really isn't that hard to set aside 6-10 percent a year, kind of a set-it-and-forget-it thing. "I'll work 'til I drop" has no appeal to me.