A new report out of investment advisor Vanguard finds that more than 40% of employer matches go to the richest 20% of workers \u2014 and it\u2019s not just because they have the highest salaries. We’ll discuss the problems with the 401(k) model and hear a potential fix. Plus, St. Louis is grappling with a “real estate doom loop.” How did it get there and how might it get out?