Workers are finding it harder to save, says a Charles Schwab survey.
Experts in how the program works share their ideas on how to modernize the safety net and make it sustainable.
The losses add to a retirement-savings crisis in America.
More than 40% of respondents in a new survey said they're living paycheck-to-paycheck and not able to save.
Americans born between 1965 and 1980 are concerned that government retirement benefits won't be there for them.
Inadequate retirement savings will result in higher public assistance costs, a Pew Charitable report says.
Sitting on the sidelines in cash is a surefire way to sabotage returns.
Services that spread money between networks of insured banks to get above the $250,000 limit are getting new attention.
The author of "A Random Walk Down Wall Street," is a believer in the power of tax-loss harvesting.
There are plenty of reasons to like money market funds right now, but they also come with risks.
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