When one begins working for a living, one of the last things on his or her mind is retirement benefits. Later in life, and retirement nears, or the realization that one will not be working much longer, "retirement" and all it means becomes very important. Those of us who have Social Security benefits realize that any retirement program that we cultivated while working is very important when we no longer work. This article addresses the issue of those employees who have had NO retirement program along the way, and are not as well off as others who did. Social Security alone bare-bones at best. The State of California and others have developed a savings program that encourages young workers to start early in their young working years - it is called CalSavers. And, wouldn't you know it, there are people who think it is a bad idea because their thinking is that young people should be able to working out their own private program by themselves without the "nanny-state", and there are plenty of private programs they can sign up with. Well, anyone who has been around, knows that young people do not always make good decisions, and would opt out of car insurance, health insurance, and any other program if they could. One of the best features of CalSavers is that it is portable, and people who work for several different employers (as most do now) in their working years can continue to belong to the retirement program throughout their working years. This program is one of the best ideas to come out of the "nanny state" in a long time. On the long run it will be better for all. The retirees will enjoy a more sustainable life, and there will be fewer people dependent on social programs and less of problems for the state.
Patriotism is not a short and frenzied outburst of emotion but the tranquil and steady dedication of a lifetime.
- Adlai Stevenson