is there anydown side to any of this. >> there are some critics. some say it may be kwoftly to set up or more costly than expected. that there could be some difficult with adhering to the government rules whether irs rules and also they want to make sure it's not on russ oh on some small businesses to try to have the responsibility. >> the right approach to sochlg the retirement crisis. joining us right now is sarah gill of the aarp and thank you for being here today. >> thank you for having me. >> you know, how big is the retirement crisis? why do you think states like oregon are taking it upon themselves to do something? >> well it's a really big issue that the country is dealing with today. recent aarp research shows 55 million americans doesn't have a way to save for retirement out of their regular paycheck every day. as you heard in the piece that's really important because they're 15 times more likely to save just by having access out of the regular paycheck. >> how important do you think it is for people to be able to save for retirement thr