A study by Hong Kong and Shanghai Banking Corporation or HSBC showed that two-thirds of people all over the world believe they are responsible (or their family members are responsible) for providing their own retirement. At the same time, 30 percent of people believe the government should provide it. Only five percent think an employer should be responsible. That is a clear indication that people know their employer will have little to do with funding retirement. The other part of the poll is somewhat controversial. It is about how to help people save. The No.1 answer to the question, “What can the government do to meet this goal?” was to make people save. Chile started this system about a generation ago. It was a private retirement plan that required people to contribute money every month and it worked. It’s just human nature not to save. So we need to be forced to do it, in Clark’s opinion. Others see it as more government involvement and they disagree. But the truth is that people are going to live longer and we are going to need more money to live. According to the New York Times, people under 35 understand this concept. They know the government will not provide for them. Now, they just need to start saving!