Titlebook: Retirement on the Rocks; Why Americans Can‘t Christian E. Weller Book 2016 The Editor(s) (if applicable) and The Author(s) 2016 Retirement

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,Americans’ Growing Risk Exposure,ices may fall just before households need the money, leaving them with a lot less income to spend than anticipated. This is the essence of risk when it comes to savings. The question here is not whether taking risks is okay but what households can do to protect their savings from too much risk.

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,Americans’ Growing Risk Exposure,t be available when they need it because of a financial market crash just before retirement. Households typically want to invest their savings in something to earn a rate of return that will help pay for their retirement. Earning a rate of return generally comes with some financial risk—the possibil

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The Pitfalls of Employer-Sponsored Retirement,ax revenue to incentivize private savings in addition to public benefits than is the case in other countries. The US welfare state as a result tends to be as large or larger than that in Western Europe,. with savings incentives—tax breaks for individual savings and insurance— taking on a much larger