In a time where individual choice rules the way Americans save for retirement, Americans are making a lot of bad choices.
Most tax filers are getting a refund after they file their 2012 return. With the average refund running about $3,000, a lot of people will be thinking about what to do with the extra cash.
The number one way of saving for retirement in America is the 401(k). But one in four Americans has dipped into that savings account early to pay bills.