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Reply to "401s are they just a big scam? Is it a new reitrement thing that hasn't stood the test of time?"
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[quote=Anonymous][quote=Anonymous]Why would they be a scam? You have control over your money - when you leave your job, you can transfer the money to an IRA which you can fully control. Yes, you have to understand what the costs are to you, but if you're employer is matching any money that would likely outweigh the costs. [/quote] Maybe it'd be better if you could setup 401K/IRA that's setup for you at 18, and it'll be professionally managed as a pool for your generation and all your employers will contribute to, like.... Social Security! I think they should get rid of the Social Security contribution cap, and adjust the benefits accordingly, so even the rich don't feel like they're wasting money. "No matter how much you make, you'll always have a % of your lifetime earnings" Think they'll buy it?[/quote]
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