401(k)s, a scheme devised by financial interests to milk the middle class and promoted by the Republic Party, like all trickle down Randian economic schemes, have proven to be a disaster. Here is the real story; it isn’t pretty, and it is hardly acknowledged by American corporate media. But its impact is going to be tragically painful. I can find no example in the world where austerity conservative economic policies have produced increased wellness. But there are dozens of examples of their failure. Yet this is hardly mentioned in the campaigns — except by Bernie Sanders and Elizabeth Warren.