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Hassett, who has worked for both Trump administrations and has a PhD in economics, reached out to Ghilarducci in between White House stints, to ask about feedback on a paper he was writing about retirement security in 2021. “I gave him all sorts of comments, and he wrote back, and he said, ‘You know, you should be a co-author of this paper,’” she said. That paper became the basis of the administration plan for universal 401(k)s, which the president announced at the State of the Union.