Joe, your predicament is instructive and humbling; and it shows what can happen when things don’t work out the way Fidelity said they would. Perhaps, as your source Teresa Ghilarducci pointed out, it’s time to rethink 401(k)s especially considering all this talk about cutting Social Security benefits. Thanks for writing the column.

All best,


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Trudy Lieberman is a fellow at the Center for Advancing Health and a longtime contributing editor to the Columbia Journalism Review. She is the lead writer for The Second Opinion, CJR’s healthcare desk, which is part of our United States Project on the coverage of politics and policy. Follow her on Twitter @Trudy_Lieberman.