1/ How do you save for retirement when interest rates fall through the floor? You have three (not great) options: You can save more, take more investment risk, or (try to) work longer. qz.com/1916348/with-i… 2/ Ben Carlson at @RitholtzWealth says his firm has “racked our brains forever” about how retirement savers should deal with rock-bottom rates. 10-year Treasury bonds are in negative territory when you account for inflation, which has been known to happen.