It is a well-accepted fact that Americans have continued to fall short when it comes to saving enough for retirement.¹ Whether this failure is due to a lack of financial education, poor planning, or fundamental flaws to the American retirement system, has been widely debated.  Yet for many individuals, thinking about financial insecurity can cause a terrible feeling. In an effort to help, the government recently passed a spending bill which included legislation aimed at addressing worries about retirement readiness.