Understand that not only does this mean that people are going to have to eat dog food when they retire because they don't have enough money put away, it also means that making the decision is so hard that they pass up significant matching money from the employer.
Entendamos que esto no sólo significa que la gente tendrá que comer comida de perros cuando se retire porque no tendrán dinero suficiente para ahorrar también significa que tomar una decisión es tan difícil que dejan pasar una importante beneficio monetario de su empleador.