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down. i m just speaking to the facts here. it s a really hard thing to tell somebody, invest your money on your own, do it well for 10, 20, 30 years and hope for the best when you re 70 plus years old. i m also thinking, peter, when i m reading those numbers earlier about the number of states, i m thinking, the state can t manage to save enough for retirement, why should i be able to? the state is dealing with an accumulated crisis bill that has rolled downhill since the recession and financial crisis. why is it when wets to the financial reckoning we get real serious about the math when we re talking about retired middle class people. we didn t get serious about math when credit rating agencies saying aaa that delivered us the crisis. we didn t get serious about the math when executives continued to get compensated at ridiculous amounts, bailed out financial institutions and we haven t

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