It's my pleasure to welcome you here to the Clark Howard Show.

You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life.

And I want to ask you something today, what is your plan for retirement? You know, if you're

driving somewhere, how do you get there? You use navigation, right? If you haven't been there

before, use whatever thing you're going to use. Apple Maps, Google Maps, Ways, whatever you're going to use.

But do you know most of us have no map, no guidance on how we're getting to retirement,

which means it's always something we put off again and again and again.

I want you working on it.

I'll tell you why that's important.

And later, I want you to look over your credit card bills and your checking account

statement for something specific you may have forgotten about.

It's throwing your money away.

That's coming later.

But right now I want to talk about something that distresses me so much.

Over half of older Americans in surveys say they are going to have to work till they die or are physically unable

to go to work over half now this is a real problem because roughly half of us work at places that don't offer retirement plans.

And when you don't work at a place that from when you're young automatically enrolls you,

and like we automatically enroll people in our 401K that I have from my company, we enroll them at, I think,

6%, we match it with another 6%, because I want people saving more than 10% from the first day they

start working.

What's cool is that when somebody's automatically enrolled, they virtually never,

virtually never choose not to participate when they're automatically enrolled. In the history of

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