> In 1980, 38 percent of private-sector workers had defined-benefit pension coverage. By 2023, that number had fallen to 11 percent. [15] Government workers, who have the political power to maintain the old arrangement, still have pensions at a rate of 75 percent. [15] The private sector abandoned the model because it could. I wish I’d known when I was young what I know now about government jobs.

I wish I'd had better tools for budgeting and retirement accounts.

This argument would have much more heft if it discussed 401k accounts and financial planning.