June is here, and we’ve got fresh insights and future-forward updates for you! Explore blockchain and tokenization in retirement savings with CeFiWire’s Sean Hanna, new May state metrics (hello, Maryland$aves!), updates from key states, highlights from NAST TMTS Day 1, Hot Sauce with five must-see finds, and Pix of the Week featuring Dutch Bros, the Golden Gate, and a mystery hotel room. Grab an iced coffee and dive in!

Happy November! If that sounds like the year is moving to a close quickly, we agree. Small solace: embrace the “yum!”. You might have a favorite food-related holiday this month. We're going with #10, National Vanilla Cupcake Day. But we digress. Grab that cupcake and catch up on the latest in retirement innovation:

• Natalie Braswell and Jessica Muirhead on MyCTSavings – access, equity, and early results

• *Fresh* State Auto IRA metrics

• Key updates from Connecticut, Illinois, New Mexico, New York State, Virginia and a Global update with cross-border application

• *New* savings training programs broadly available with NAST’s Kari Arfstrom

• Intriguing shorts in Hot Sauce, Cool Stuff -- Don't save yet?

• This week's PIX! - from the Chesapeake Bay to a living room in Oregon

As a retirement program manager, one of your biggest hurdles is getting people to open and fund an account. Behavioral science and a careful look at human decision making can help overcome this first step. Using defaults can increase the proportion of employees enrolled in a program. Leveraging precommitments can help people overcome procrastination and keep contributions in line with inflation. These changes can shift participation by impressive amounts!