<prompt> Human: Here you go  <response>: If you strip away the totally sensational title, there are some decent points in there. If 401ks were sold as the magical solution where everyone would get rich without any work, then they clearly have not lived up to that standard. And yes, most people dont have enough saved. And yes, some people are struggling on their salaries and dont have enough left over to easily put money away. And yes, inflation adjusted salaries have not been rising. And yes, some people are getting screwed in fees ... BUT... whats the solution? The article just blames the financial industry and 401ks which is just a tax status and doesnt point at any solutions. So whats better than a tax-advantaged account than a 401k? The answer is that people need to become more educated and take their retirement planning into their own hands. The financial services sector should be more transparent about what they do and what they charge. You cant ask for the good old days back when everyone was unionized and had great pensions. So lets use 401ks correctly and make the most of what we have instead of throwing our hands up in the air and saying its a sham and therefore we do nothing. 