Nearly half of all working age families have zero retirement savings. The average working aged, low income, black, aspanic or non college graduate have no retirement savings. So we need to do something in addition to social security,. And i suggest, being an invester, that compounding is the answer. Having people start saving early with what because if your low income, you don't have a lot of many to save that money to live If you're young, which is when compounding matters.