Does anyone actually believe 401Ks are a scam?
It’s hard for me to believe someone would be that dumb considering the benefits:
1. Employer Match (free money/instant return)
2. Tax benefits (Deductible or Tax Free gains via Roth 401Ks)
3. $24,500 Roth 401k limit (2026) - no income limits
4. Can roll over into IRA/Roth IRA and do a SEPP if retiring early