For the 50 million Americans with 401(k) retirement plans, 2008 is a year many wish they could forget. Workers saw their 401(k) plans lose between 20 and 30 percent of their value as the Dow Jones Industrial Average suffered its worst year since the Great Depression. We speak with Teresa Ghilarducci, director of the Schwartz Center for Economic Policy Analysis, about her new book When I’m Sixty-Four: The Plot Against Pensions and the Plan to Save Them. [includes rush transcript]