The article talks about how the fiscal cliff may impact 401k's.The incentive is to increase tax revenue. The idea it gives is that the money being added to the account is going to be restricted and lower. It is also going to decrease the amount employers can add into their employees' accounts. The impact of the 6 million americans is that there is a prediction that less people would fund or even have 401k plans.

The article is about how the confidence index rate of consumers has increased since September. Causes of the increased confidence showed to be from mainly the job market. Other factors that added to the increase were gas prices and the housing market. It says that the consumers will face substantial challenges and the rising index will begin to fade.