With Thanksgiving around the corner, grab a cocoa and join us by the (imaginary) cabin fire for a quick dose of smart fun. We’ve got Michael Kreps on 2025’s Quiet Retirement Revolution, a State Auto IRA check-in, news highlights, insights from the road, a few spicy takes, and—naturally—our Pix of the Week.

After 30 years at Principal, researcher Tracey Foley knows how to ask—and parse—the right questions. Today we dig into what automaticity is doing to participation, in helpful and not-so-helpful ways. Hint: maybe more, not less.