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We do need to get back to the pension system, utilizing features in the 401(k) program, and make it open it to the marketplace.

Or perhaps tweak the 401k regulations to minimize shenanigans.

- For example require a low fee S&P500 fund with any 401k plan.

Portability is important as I worked one place for 2 years, then another for 6 months, then another for 2 years, etc. Yet I've now amassed over $500k in 401k related funds at the age of 41. Having access to this account much earlier than 65 gives me the freedom to quit my day job in my early 40's.

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