After delving into the technology issues, companies that are ready to start small could begin with tests similar to what I proposed that Google should do to accelerate its own driverless program.

FORBES: How Traditional Automakers Can Still Win Against Google's Driverless Car: Part 5

And they would, through education and maybe a little osmosis, learn that the best way to provide for their retirements would be to start early, begin with small contributions, and stick to a low-risk strategy that protects them against big losses.

FORBES: You're on Your Own

Regions that spawn great start-ups often begin with one huge success that gives life to many other companies.

FORBES: New Life: How MySpace Spawned A Start-Up Ecosystem