english: Understand that not only does this mean that people are going to have to eat dog food when they retire because they don't have enough money put away, it also means that making the decision is so hard that they pass up significant matching money from the employer.
non_english: Razumećete da ovo ne samo da znači da će ovi ljudi jesti pseću hranu kada se penzionišu jer neće imati dovoljno ušteđenog novca, to takođe znači da je donošenje odluke toliko teško da oni propuštaju prilke za ulaganja koje su im ponuđene od strane poslodavca.