Steelworkers, airline employees, and now those in the auto industry are joining millions of families who must worry about interest rates, stock market fluctuation, and the harsh reality that they may outlive their retirement money.

• 钢铁工人、航空公司的雇员，以及在汽车工业中就业的人，他们现在和数百万的家庭一样，必须操心利率和股票市场的升降，担心他们的退休金不够用的严峻现实。