Think of retirement benefits as the safety net that catches us when we step off the corporate ladder in our golden years. The recent executive order by President Trump aims to expand this net, but who will actually be caught?

The official line from the White House is that the launch of TrumpIRA.gov by 2027 will provide a retirement option for those without employer-provided plans. But beneath this promise lies a reality where many Americans are left holding empty pockets as they near retirement age.

The Obama-era administration made significant strides in pension reforms, but even then, millions of workers fell through the cracks. Now with Trump's new initiative, it’s clear that many will still be without substantial savings come their golden years.

Imagine if your household income was cut by half overnight, and you had no emergency fund to fall back on. That’s what this executive order is trying to prevent for millions of Americans who won't have access to employer-sponsored retirement plans.

The stakes are high for younger generations. My late husband used to say, "What we do today affects tomorrow." With the gap between the haves and have-nots widening, this new initiative might look good on paper but fails to address the real economic challenges facing families now.

I did not want to believe that my hard-earned savings could be outpaced by inflation. Yet here we are, with a new executive order that promises more without addressing the systemic issues that leave so many behind.

My generation has seen its share of financial ups and downs. But the younger ones? They're facing an uphill battle even steeper than what I ever had to climb.

I stayed up last night thinking about this, wondering how my grandkids will fare in a world where retirement seems more like a luxury than a right.

President Trump's order is ambitious. But as someone who spent decades teaching the importance of financial literacy, I know it’s not enough to just launch a website and hope for the best.