Since people are too lazy to save money, lets get the government involved:
http://finance.yahoo.com/blogs/daily-ticker/america-retirement-system-failing-us-economist-153445894.html
"The majority of Americans (75 percent) nearing retirement age had less than $30,000 in their retirement accounts...
A buddy of mine was asking me about using a 401k loan to buy some real stuff (metals, land or whatever) and asked me to poke holes in the idea. I'm much more comfortable with the general concepts of Austrian economics than I am with the nitty gritty workings of financial instruments. I'm...