Pensions are relics and 401(k)s are problematic. We need a rethink on how we save for retirement, and how we allocate those savings with the certainty that people won’t outlive their money. A solution is out there, and Clark shares that with you today. Also, Clark breaks down the paycheck-to-paycheck cycle many find themselves in, and how for some earners, it’s entirely possible to break that cycle.  Solving Saving For Retirement: Segment 1 Ask Clark: Segment 2 The Marginal Propensity To Consume: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The dangers of underestimating your retirement Annuities Aren’t the Problem. Commissions Are, Say These Industry Pros Best Financial Advisors in 2024 Vanguard Personal Advisor Review What to Do When You're Being Harassed About an Old "Zombie Debt" 10 Ways To Save on Prescription Drugs Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices