Here's your summary from America Has a Retirement Problem, Ghilarducci Says (https://www.youtube.com/watch?v=ok9gzE5-8wk) on the Bloomberg Television channel:

**TLDR:** America's retirement problem is exacerbated by disparities in longevity, lack of access to retirement savings plans, and the burden of retirement planning falling solely on individuals.

1. Disparities in longevity exist, with certain populations living longer while others face declining life expectancies due to various factors like deaths of despair.

2. Lack of access to retirement savings plans for over 83 million workers in the US, with the current system disproportionately benefiting the top 20%.

3. Proposed solution involves automatic enrollment in a government-administered pension plan, with matching contributions for lower-income earners to encourage saving for retirement.

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