Lauren Strayer

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The Pension Pinch

(Demos.org)

For the magazine’s 20th Anniversary, the September issue of SmartMoney has a long section recapping changes in American personal finance -- and on what they got right and wrong -- over the last two decades. 

Their historical review starts with the blunt question:

Who’s responsible for your retirement? You are.

It would be more accurate to add, however: "You're responsible and you're all alone in an industry built to make money for itself, with few protections for your savings."

As SmartMoney explains: