Ghilarducci presents a grim view of the current ominous realities of retirement in the United States and offers recommendations for improvement... She shares true stories of people locked into jobs not because they love to work but because they must, and her meticulous research analyzes how working longer does little to improve retirement security and inadequate pensions... This highly recommended book focuses on middle- and lower-income people who do not have millions in their retirement accounts and who are particularly concerned about the retirement possibilities that their children and grandchildren will have.