Q: My employer's 401(k) plan considers me a "highly compensated" employee and caps my contribution at a measly 5%. I know I am not saving enough for retirement. What are the best options to maximize...

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The notion of "dying broke" continues to appeal to many Americans. That's too bad, since the strategy is ridiculously flawed.

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Richard Thaler pioneered behavioral economics, and changed the way companies manage their 401(k)s.