PAi's account system is currently down for scheduled maintenance. We apologize for the inconvenience and will bring the account system back up soon.
The Law of Inertia: A body in motion will stay in motion and a body at rest will stay at rest unless an external force acts upon it.
The Law of Inertia, while originating in the world of physics, is amazingly applicable to the world of retirement planning. As plan sponsors and financial advisors know, getting people who are not saving to start saving requires a force nearly equal to the gravitational field of a planet. And getting people to save more than they are already saving is an accomplishment of galactic proportions.