No. of Recommendations: 4
The bottom line seems to be that unless you're very rich now, you're more poor today than you were 15 years ago

That is not what I take away from it. My bottom line reads more like, "If you don't know enough about finances to manage your 401(k) properly, and don't have enough sense to get help, you may be in trouble." But if you are in that position, then you are probably going to have financial difficulties no matter what options are available to you.


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