[pennywise]

It is not the employers or governments decision to mandate 401K deposits. With the stock market history this is very inappropriate. Have you ever noticed how they do things like this, then pass laws to prevent the lawsuits from their poor decisions. I think when people (and this is who the government is) should be held liable for all decisions they make, especially when they involve others. We will definitely, purposely, opt out of the 401K. Again, it is not up to someone else how to run my life, money, child raising, etc. Let them mind their house and I will mind mine. I strongly resent this after we lost all earnings, employer matching, and some priniciple in Mr. Bush's wonderful leadership of our country and Mr. Greenspans over-indulgence in dictatorial financial leadership. We sacrificed and saved the max in our 401K to have it milked by fees from mutual funds and stolen by more savy investors on wall street who invited us to join the bandwagon with their idiotic comments of dollar cost averaging. I can take care of myself, thank you. This is a budget shell game to forgive the government (just people folks) who have made very bad decisions, false promises - and now are being exposed. This is going to be one heck of a system of fincancial sellers offering kick-backs to employers and your employer may not be the best shepherd to protect his flock but nothing better than the pied piper leading the rats to drowning. Thank you, leave my income and finances alone. I do not believe in charity or taxation. I am tired of people stealing from me and calling it other names. Stealing is stealing: the intent to take without giving back. Stealing is a violation of the 10 commandments. May all these law making people get their just rewards on judgement day. I would not want to answer the questions they will be asked and then led to the special door to Hades.