juZDM6

There's no managing an asshole. It's very rare for an asshole to become a nonasshole. It's common for assholes to become bigger assholes over time as they get use to shitting on you. Either drop the project or leave the firm. You're in an unstable situation, working with assholes can take years off your life.

This.

I think it would be very hard to have substantial retirement savings on the bottom 25th quartile of American wages. Especially when most Americans are living paycheck to paycheck. Want people to save more? Pay them more.