Most of us have our 401(k)s or IRAs invested in mutual funds.

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Personal trainers motivate us to move our rear ends, but who could believe we need personal financial trainers to get us to move our 401(k)s?

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How long can we keep government employees on defined-benefit pension plans while the rest of us scramble to fund our 401(k)s?

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Economist Teresa Ghildarducci blames the 401(k) system that most of us use to save for retirement.

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Many of us get busy and forget to check-in on our 401(k) plan on a semi-regular basis.

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Instead of hectoring investors, perhaps the time has come for us to acknowledge that most have little clue about what they are doing when it comes to 401(k)s and need protection.

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Nor does their suggested fix even ask whether we should be using the rather flawed 401(k) vehicle for retirement savings or if there is a better way for us to ensure the financial future of the future elderly.

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Very few have six figures saved in our 401(k)s, something that is unlikely to change any time soon since about half of us are living paycheck to paycheck, unable to save for an emergency that could happen tomorrow, never mind an event twenty years off.

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