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.
Og dette betyder ikke kun at mennesker kommer til at spise hundemad når de går på pension fordi de ikke har sparet nok penge sammen, det betyder også at beslutningen er så svær, at de siger nej tak til en anseelig pengesum fra arbejdsgiveren.