Ensuring retirement security for Americans must start with a stable Social Security system, because that will provide the bulk of retirement income for many, says Vanguard Group founder Jack Bogle. He and other retirement experts offer thoughts on avoiding a U.S. retirement crisis. Mark Iwry, senior adviser to the Treasury secretary, suggests automatically enrolling all workers into a 401(k) program and setting escalating default contribution rates. Harvey Pitt, a former member of the Securities and Exchange Commission, suggests Social Security buyouts.

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