Because home equity loans suddenly exploded after a 1986 tax revision, because credit cards were deregulated and because of a lot of these things and a lot of things dealing with deregulation, credit became very available to people and that's where I think most people lost their saving habit.

NPR: All I Want For Christmas: Less Debt?

Like diet and exercise, retirement saving is a lifelong endeavor, a habit more than a single decision along the way.

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