60% of Americans do not have enough money or retirement. Michael Wolraich: It's hard for us to think, well, I'm 25 and someday I'm going to be 65. And then you just keep pushing it off. He says saving for the future requires you to really think about ways to get around your biology. Kolraich: Imagine a government trying to plan for its populations, good future 30, 40 years later.

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