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Retire Better: Changes may be coming to your 401(k) plan — is this a good thing?

You may have heard that Congress is looking at changes to the ways in which Americans save for retirement. Lawmakers think we need to save more and, for once, they’re right.

Among the things they’re looking at: changes to 401(k) plans—the most substantive in years—and ways for you to guarantee yourself an annual income after you retire.

Retirement is, of course, a huge problem for millions of Americans. A survey earlier this year by GoBankingRates said 42% of Americans have less than $10,000 saved. While this data point can be discounted somewhat because it includes millennials who are relatively young, the fact remains that one-third of those age 55 and over have less than $10,000 saved and 10.5% have nothing at all.

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