States Take Aim at People With No Retirement Plan - WSJ

Colorado will offer an auto-IRA. Under this type of plan, employers automatically enroll employees and set up payroll deductions. Employers must offer a plan—either a state-administered IRA or something else they set up on their own. Employees can opt out of the plan, but they have to explicitly make that choice. The data shows that most employees don’t opt out.

Stealthily siphoning people’s wages via withholding and hoping they don’t notice. Tricking people into saving is a bad strategy.