[blago]

  "He claims it's "ridiculous" to expect people to save responsibly"

It's actually "she". And what she really claims is ridiculous:

  * "First, figure out when you and your spouse will be laid off or be too sick to work"

  * "Second, figure out when you will die"

  * "Fourth, earn at least 3 percent above inflation on your investments, every year"

Read the rest.