The state of U.S. retirement security : can the middle class afford to retire? : hearing before the Subcommittee on Economic Policy of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Thirteenth Congress, second session, on discussing the state of retirement security, focusing on the challenges facing aspiring retirees following the recent financial crisis and how the level of retirement security impacts the economy, March 12, 2014.