Anchor: Most importantly, it reduces the incentive to save for retirement.
Entailed: People will not save as much for retirement.
Contradiction: It makes people want to save more money for retirement.
Contradiction: People will have a tendency to increase their retirement savings.
Contradiction: There is a huge incentive to save money for retirement.
Contradiction: Don't consider going to a great hotels. 
Contradiction: How bleak can you get?