Why the 401k system is actually failing to provide real retirement security
The Quiet Erosion of the Retirement Promise For decades, the 401(k) has been held up as the gold standard of American retirement planning. It was marketed as…
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At Kotlikoff 2012.org, we believe bold ideas and honest conversations can drive real progress. Our mission is to foster intelligent, forward-looking discussions around public policy, economic sustainability, and civic responsibility—without the noise of partisanship.
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Exploring common-sense solutions to complex national challenges
Kotlikoff 2012.org is a space for fact-based policy discussion, honest debate, and forward-looking strategies without the political noise.
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We champion governance that prioritizes long-term thinking, fiscal sustainability, and pragmatic action.
401(k)
Why workplace retirement accounts often shift risk onto households—and what stronger security would require.
College Savings
How tax-advantaged education accounts can widen inequality when benefits concentrate at the top.
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Practical ways to make intergenerational transfers intentional, fair, and lasting.
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A place for people who value integrity over partisanship and solutions over soundbites.
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Notes on fiscal policy, retirement security, and evidence-based reform.
Why I believe 529 plans are actually widening the wealth gap
The Paradox of the Tax-Advantaged Education Dream For decades, the 529 college savings plan has been hailed as the gold standard of American financial…
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What it actually means to leave a legacy that truly lasts
Redefining the Concept of a Lasting Legacy When most people hear the word “legacy,” they immediately think of massive trust funds, historical…
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