What responsibilities quietly move from the employer to the kitchen table? That's where we begin.

It is true that it moves to the kitchen table.

I talk to so many people that say, we've sat down and we're trying to figure out these pension options.

We're trying to figure out when and how we're going to be able to retire, if we're going to have enough money, when we need to collect our Social Security, what we need to do with Medicare, how much money we need to reserve for healthcare costs.

But here's what's changed.

I mean, for somebody who had a pension...

Retirement could mean the paycheck kept coming in even after work stopped.

What does that actually change about how someone makes decisions with their money, Brian?