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.
Pange tähele, et see tähendab mitte ainult seda, et inimesed peavad pensionile jäädes koeratoitu sööma hakkama, kuna neil ei ole piisavalt raha kõrvale pandud, vaid see tähendab ka seda, et otsustamine on nii raske, et nad loobuvad suurest hulgas rahast, mida tööandja muidu nende fondi panustaks.