Debt
A common reason small-business employees give for why they aren't saving for retirement

Source: Pew Charitable Trusts
Question: Respondents whose jobs offered a retirement plan to its full time employees, but who don't currently contribute to it, were asked: "Which of the following would motivate you to contribute to your employer sponsored retirement savings plan?"
Response Options: Receiving a promotion or salary increase; My employer contributing or matching my contributions; Confidence that my investments will perform well in the market; Having already paid down other debt; Getting closer to retirement; Receiving tax benefits; Other
Reference: For more information, read the 2018 Pew Charitable Trusts analysis, "Does Saving for Retirement Increase Your Debt?" "Does Saving for Retirement Increase Your Debt?"

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