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A lush lawn and garden hedge wall; through the gate and over the hedge, we see a smouldering, apocalyptic landscape. Desperate hands reach over the wall. In the foreground is a No Trespassing sign.

This week on my podcast, I read a recent Medium column, Against Cozy Catastrophies, about the how the changeover from universal, state- or employer-provided pensions to market-based pensions like the 401(k) have created an inescapable, slow motion catastrophe, where the only thing worse than being one of the lucky few with retirement savings is being part of the vast majority who do not.

(Image: Djuradj Vujcic, CC BY 2.0; Gerald England, CC BY-SA 2.0; modified)

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