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I don't think going back to defined benefit plans is a good alternative since it restricts your flexibility to move to other jobs.

good point..

never had a defined benefit so i didn't think of it that way
DID consider employer health ins. as silver-handcuffs.


The defined contribution plan allows your retirement funds to move with you from job to job. The pension plan is like putting handcuffs on the employee.

? isn't a 401(k) 'defined contrib'?
..... am i confused?
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