The document discusses different options for retirement planning including government programs like Social Security, employer programs, and individual programs like IRAs and life insurance. It notes that government programs alone are not enough to fully fund retirement and that employer programs have shifted more responsibility to employees. It emphasizes that individuals need to take responsibility for their own retirement security through options like IRAs, which offer tax benefits whether contributions are made pre-tax or post-tax, and life insurance, which can protect against both dying too soon and living too long into retirement.