PS: Despite their flaws, I do think they are superior than the alternative - a Pension, esp. an undefined pension.
There's too much risk of someone getting their hands on that money before it's ready to be paid back to you.
I"d rather retain custodianship of my money.
Or. . .you can all send me your retirement money and I promise I'll send you all a monthly check when you are 65. I promise
