I never see this topic addressed: What are the retirement options available to the huge percentage of the working population who didn't ever make a living wage, whose daily living expenses even with roommates and scrimping very hard indeed seldom met monthly living expenses much less leave anything to save? And please do not trot out that old cliche about giving up fancy coffee drinks — those of us who do not even make a living wage are drinking whatever is on sale at Walmart, not purveyed by Starbucks. All the experts want to do is talk to people who make a lot of money — about their savings, investments and golden retirements. Marketplace Money's experts do need to understand that a very large percentage of working Americans simply do not have these assets but DO face the prospect of a grim retirement. Thank you!
