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The beleaguered 401(k) has been under unrelenting pressure from every direction. Eliminating its tax subsidies was a much discussed idea during the march toward the fiscal cliff, then again as a way to avoid the sequester cuts.

Recently, a prominent liberal blogger stirred controversy in a USA Today op-ed titled “401Ks are a Disaster,” calling for a massive boost in Social Security benefits funded by taxes on the rich and a lifting of the salary cap in Social Security taxes.

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