“The only crystal ball even more difficult to read than where one's own personal situation may be is where the country is headed and what the country's economic situation will be in 20 or 30 years.”
“Benefits administrators have a tremendous amount to deal with that is very concrete (health care costs, pension plans, etc.). So, to expect them to look at something that is purely optional and unclear whether it is a good idea for most people, it is understandable that they might shy away from offering the benefit.”
