Time was, most people had access to a retirement account through their jobs, either because they belonged to a union or through an employer-provided pension plan.

Those days are gone. Advocates claim 600,000 Connecticut workers cant save for retirement through work.

So what becomes of the proverbial three-legged stool that is supposed to provide comfort for us in our old age? You know: personal savings, Social Security and an employer-provided pension?

One possibility is that the next generation of oldsters will live in greater poverty than the current one, in part because it takes discipline to save for a retirement that seems so far in the future when there are bills to pay today and in part because many people blew through their savings, after layoffs and foreclosures during the Great Recession.