Solving the U.S. Retirement Crisis

Jason Williams

Posted March 28, 2024

Dear Reader

The consensus is in. There’s a full-blown U.S. retirement crisis underway and it’s only going to get worse. Not only is our Social Security system outdated and underfunded, but people are also regularly living well into their 90s. That means, with the standard retirement age of 65, they’ve got 25–30 years of living to support as prices continue to creep higher.


It’s a daunting concern that’s troubling the minds of tens, if not hundreds of millions of Americans as they plan for retirement and try to figure out how to make it work. But it’s a problem with a solution that’s not only incredibly simple, but also incredibly accessible for everyone.

U.S Retirement Crisis Confirmed

The Pew Research Center recently released the results of a massive survey of Americans’ financial well-being. And the numbers show that over half of Americans worry they’ll run out of money after they stop working. It’s a real retirement crisis and it’s getting worse every second we fail to act.

And it seems like every day another major financial or political figure sounds the alarm that there’s a growing U.S. retirement crisis. Just this week, in fact, Larry Fink, the CEO of massive asset management firm BlackRock, addressed the issue in his letter to investors.


Both the Pew Center and the BlackRock CEO blame lack of investments and poor options when it comes to investments for causing this U.S. retirement crisis. Pew points out that over 56 million private-sector workers don’t have access to even the meager savings offered by traditional 401(k) plans. Fink notes that people have come to rely on Social Security, which is a broken system, rather than the capital markets, which provide far bigger gains.


The Wrong Solutions

But the thing is that the people calling attention to the growing U.S. retirement crisis aren’t really offering solutions to it. Or at least, they’re not offering useful solutions to it…

The Pew Center thinks that the problem is accessibility of investments and that we need to “make it easier to save.” But that’s a little silly because, as you already know as a longtime reader of Wealth Daily, it’s literally never been easier to save in the history of the world. Investors have access to more information and more investments than ever before.

And with the rise of fee-free brokerages, investing has become as inexpensive as it is easy. All you need is a computer or smartphone, an internet connection or cellular signal, and a pulse and you can be an investor.

Just to prove my point, here’s a list of 24 ways you can invest your money. And that’s 24 different asset classes, mind you. There are hundreds to thousands of individual investments within each class listed…

  • Stocks
  • Corporate Bonds
  • Treasury Bonds
  • Treasury Notes
  • Treasury Bills
  • Municipal Bonds
  • ETFs
  • Mutual Funds
  • REITs
  • MBSs
  • Precious Metals
  • Commodities
  • Currencies
  • Cryptocurrencies
  • Savings Bonds
  • Options
  • Stock Warrants
  • MLPs
  • Preferred Stocks
  • ABSs
  • CDs
  • Private Equity
  • Private Businesses
  • Private Debt

So I think we can lay the Pew Center’s solution to rest. It’s already easy to invest and save. Making it easier isn’t going to solve the U.S. retirement crisis.

No Retirement, No U.S. Retirement Crisis

Fink, after admitting in plain English that he doesn’t know what the solution to the U.S. retirement crisis is, goes on to give an even more harebrained idea on how to fix it. He thinks people need to come to terms with the fact that 65 is not a reasonable age to retire. He says we all just need to work longer and everything will be fine.


But neither of those solutions is a feasible solution. The Pew Center’s solution to the U.S. retirement crisis has already been enacted. It is incredibly easy for everyone to save. Even if you don’t have a company retirement plan, you can set up your own 401(k) or Roth IRA.

And asking people to work longer because they’re living longer, while it makes sense, isn’t really a palatable solution. I mean, who really wants to live forever if you have to work forever too? But we are living longer, and those extra years are making the U.S. retirement crisis worse and worse as they add up.

At Least They Got Something Right

The main bullet point that both the Pew Center and Larry Fink get right about the U.S. retirement crisis is that there is a solution. They’re also right that part of the problem is people having too little control of their own savings.

And they’re right that the U.S. retirement crisis is made worse by the lack of good options for average people when it comes to saving money. The lucky few who have access to a company-provided 401(k) aren’t much better off than those without anything.


The options most people are given by their financial advisers are just funds that the adviser gets a commission for selling to investors. They’re certainly not going to solve the U.S. retirement crisis with their underperformance and excessively high management fees on exhibit in the preceding table.

And the mainstream financial media are no help either, as they’ll tell you to skip that Starbucks coffee one second and then run an ad telling you to buy a $100,000 car the next. They don’t care about you, your money, or the U.S retirement crisis. In fact, they probably want you to work forever like Larry Fink suggested.

Taking Control of the U.S. Retirement Crisis

But there is a solution and there are folks out there who have your best interests in mind and at heart. The solution is taking control of your own financial destiny instead of leaving it up to the Social Security Administration or some wet-behind-the-ears salesman masquerading as a financial planner.

And the people who are here with the sole goal of helping you prepare for retirement and avoid the U.S. retirement crisis that will impact so many others are me and my team here at Wealth Daily and our sister site, Energy and Capital. We’ve got a collective century of experience under our belts and countless triple- and quadruple-digit gains in our track records.


We’re not beholden to any corporate advertisers like the mainstream press is. And we’re not getting paid for managing your money like Larry Fink. Our only goal is to provide you with the kind of research you won’t get anywhere else. And to make sure you don’t get caught up in the retirement crisis sweeping the nation.

My team and I recently finished a massive undertaking to help solve the U.S. retirement crisis that we’d like to share with you. It’s a research report all about the causes of the crisis and the issues facing millions of Americans (perhaps even you). But it’s also packed with solutions to the U.S. retirement crisis from my team of top-notch finance pros.

And it also comes with a special discounted membership to our biggest and most successful investment community, The Wealth Advisory. That’s where my team and I share our best investment ideas and help our members beat the people like Larry Fink who say the solution to the U.S. retirement crisis is Americans not retiring at all.🤦‍♀️

Save Your Retirement Today

So take some time out of your day today and lend me your ear, so to speak. I’ll show you how you can personally avoid the U.S. retirement crisis that is likely to crush so many dreams and tarnish so many golden years. And I’ll happily welcome you into the fold as the newest member of one of the fastest-growing, most profitable communities in the market.

I hope to see your name on my list when I send out my next value-packed and action-packed update. But the final choice is in your hands. All I can do is offer to help solve the U.S. retirement crisis. You’ve got to accept my offer and take action, too.

To your wealth,


Jason Williams

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After graduating Cum Laude in finance and economics, Jason designed and analyzed complex projects for the U.S. Army. He made the jump to the private sector as an investment banking analyst at Morgan Stanley, where he eventually led his own team responsible for billions of dollars in daily trading. Jason left Wall Street to found his own investment office and now shares the strategies he used and the network he built with you. Jason is the founder of Main Street Ventures, a pre-IPO investment newsletter; the founder of Future Giants, a nano cap investing service; and authors The Wealth Advisory income stock newsletter. He is also the managing editor of Wealth Daily. To learn more about Jason, click here.

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