https://www.navyfederal.org/makingcents/savings-budgeting/understanding-retirement.html
Understanding Retirement Savings Options | Navy Federal Credit Union
You may have an employer-sponsored retirement plan available to you, you might open one up on your own or both. The choice you make affects the tax benefits...
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https://www.nber.org/bah/summer06/effect-default-options-retirement-savings
The Effect of Default Options on Retirement Savings | NBER
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