Government to the rescue for retirees

Less than a third of Americans own an IRA yet nearly all will one day need money beyond Social Security to have a minimally acceptable standard of living. Recently, many states have come to the rescue by introducing programs that allow workers to save on a pretax basis with little effort. See if your state is one of them: http://www.cnbc.com/2016/08/19/california-set-to-join-states-offering-retirement-plans.html