A Roth IRA with a 401(k) makes a lot of sense.

If you are in the financial planning business, nothing could have been better than the [introduction of] the Roth IRA. It's been a real boon for the industry.

The emotional response is natural. However, people have to let the intellectual side win, because the only way they will ever have enough money to retire is if they have equity-like returns.

I know a lot of people in their 40s now who can retire if they want to.

The good news is people are living longer, and the bad news is people are living longer.

People are making emotional decisions.