Though Americans bristle at the prospect of being told to do anything – and become even more defensive when they're forced to do things they don't want to do – sometimes it's not as bad as it seems.

I speak not of the thorny issues of health care, but rather the nebulous notion of retirement savings. More than once at an industry conference earlier this week, the notion of behavioral finance came up and it seems pretty clear that to help people reach some extremely nebulous but substantial retirement goals, you've got to use some psychology.

And, maybe, take away their freedom of choice. For their own good.

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