man thinking One study found that those who make bad retirement savings decisions do so because they're financially illiterate, not because the information provided them is too complex. (Photo: Shutterstock)

This is one time where KISS (keep it simple, stupid) isn't the answer, according to a new study from Texas Tech University.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

C.J. Marwitz

C.J. Marwitz is a writer and editor.