The retirement savings crisis isn't a 2027 problem — it's a 2026 margin pressure signal *masquerading* as a macro headwind. Half of America can't save. That means they're not trading up to premium grocery, not upgrading discretionary spending, and definitely not banking on future income to justify today's splurges. For discount retailers like Walmart (3.0% net margin, 4.3% ROIC), this is structural tailwind — consumers forced into permanence at your checkout.

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