American Retirement Account
- Thongkhoun Pathana
- 2 days ago
- 2 min read
Why American 110 million does not have a retirement. We can do more to protect American wealth and retirement.
The 110 million Americans lacking a formal retirement account, the "retirement gap" isn't just a financial issue—it's a national crisis of stability.
The 110 Million Mission
1. The Problem: The Invisible Crisis
Today, nearly 1 in 3 Americans has $0 saved for retirement.
The Literacy Gap: Most adults answer only 49% of basic financial questions correctly.
The Barrier: It’s not just a lack of money; it’s a lack of access and confidence.
The Consequence: A generation is heading toward a "cliff" where Social Security alone won't be enough to cover basic healthcare and housing.
2. The Solution: Radical Financial Literacy
We don't just need more "apps"; we need a cultural shift in how Americans interact with their future selves. Our approach focuses on:
Micro-Literacy: Breaking down complex concepts (compound interest, tax advantages) into 60-second, jargon-free "wins."
Behavioral Incentives: Moving from "you should save" to "here is how you save your first $10 this week."
Access for All: Targeting the "unbanked" and those without employer-sponsored 401(k)s by leveraging IRAs and HSAs.
3. The "We Can" Strategy
We believe financial literacy is the ultimate equalizer.
Community Integration: Partnering with local organizations to meet people where they are (workplaces, community centers, schools).
Gamified Growth: Using technology to make watching a retirement balance grow as addictive as social media.
Policy & Advocacy: Pushing for "Auto-IRA" programs and simplified enrollment for part-time and gig workers.
The Hook: "The Power of $1"
"If we can teach 110 million people how to find and save just $1 a day, we aren't just building bank accounts we are building a floor for the American dream. We don't need a miracle; we need a movement."
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