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: Treba je razumeti, da to ne pomeni samo, da bodo ljudje morali jesti pasjo hrano, ko se upokojijo, saj ne bodo imeli dovolj denarja, da bi ga dajali na stran, prav tako to pomeni, da je odločitev tako težka, da se odpovejo pomembni količini denarja s strani delodajalca.