CNN —
By some estimates, almost half of US private sector workers — close to 57 million people, according to AARP — do not have access to a retirement plan at their jobs. That’s either because their company doesn’t offer one or because they don’t qualify to participate in an employer’s existing plan.
That is just one reason why policy experts see a retirement savings crisis on tap for so many Americans over the next several decades.
But the advent of state-sponsored auto IRAs — individual retirement account programs that workers can be automatically
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