Final answer:
Increasing post-retirement consumption, not relying solely on spouse's retirement income, and utilizing employer match on retirement contributions would increase the risk of not having enough for retirement.
Step-by-step explanation:
Increasing your post-retirement consumption, not relying solely on your spouse's retirement income, and utilizing the employer match on retirement contributions are all scenarios that would increase your risk for not having enough for retirement.
Increasing your post-retirement consumption means you will be spending more money in retirement, which could deplete your savings faster. Not relying on your spouse's retirement income only ensures that you have a diverse and secure source of income during retirement. Utilizing the employer match on retirement contributions helps you save more for retirement and take advantage of the benefits offered by your employer.
On the other hand, a steady employment and an increase in employment earnings can help increase your savings and reduce the risk of not having enough for retirement.