Research and studies, old and new both, point to the fact that people with different personality types view money differently. Some people will naturally look to save and build wealth for the future, while others will forgo future benefits in favor of more immediate needs. And so, for some people, all the education in the world won’t help them prepare willingly for retirement.

And so, arguing in The Atlantic, Teresa Ghilarducci proclaims that we should not place blame on the individual when they don’t save enough for retirement, instead we should focus on the institutions around personal finance. A universal savings account that everyone is automatically enrolled in is one option, and many others exist. For more on this story, click here.

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