"My advice to Education Savings Accounts (ESA) advocates is to not slow down," writes Adam Peshek. "The wave of ESAs happening now was built on a decade of trial and error, with lots of error along the way. Had we heeded the warnings of those before, today's wave would be a trickle." The discussion is framed not only in the context of retirement savings accounts, but also Health Savings Accounts. The need for, and existence of, any of these, to my mind represents a social policy failure. When people must save up to pay for future education, health care, or basic living expenses, the question has to be asked, what happens to those who can't?
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