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.

Fall is here—the air is crisp, the rain is steady, and the fire is warm. Grab your mug and settle in for a quick catch-up from our corner of the world. Here’s what we’ve got for you today: I Am Saving—Not! with Tracey Foley, a cool $2.5 billion update, What Employees Want, Good Stuff and Other Stuff, a dash of Spicy Stuff … and 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.