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[Music] tonight on frontline americas retirement crisis its tough to really worry about retirement right now i guess plan b would be to keep working my retirement plan is fingers crossed and pray basically even if you have a 401k or ira will you have the money you need to retire if you make a hundred thousand a year you need one and a half million to be okay a lot of 401k programs are lousy you put up 100 of the capital you take 100 of the risk and you get 30 percent of the return correspondent martin smith investigates make it simple thats a question that can only be answered on what your risk appetite is if you dont want making it simple well i wish it was simple if you want to gamble with your retirement money be my guest tonight on frontline the retirement gamble [Music] increasingly americans in money trouble in this bad economy are borrowing from the number of workers borrowing from their accounts has docHubed a 10 year number of workers now lets begin with one simple fact a
