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.
Això no vol dir només que alguns jubilats menjaran pinso de gos perquè no tindran prou estalvis, també vol dir que prendre la decisió és tan difícil que la gent renuncia als beneficis de l'empresa.