Is the 401(k) failing—or are people using it wrong? This episode with Aaron Vincent and Matt Decker breaks down the debate around whether the 401(k) still works as a retirement tool and why outcomes often depend on individual decisions. The conversation compares pensions vs. 401(k)s, highlights the role of contributions and allocations, and addresses common pitfalls like lack of engagement. It also explores limitations, including early withdrawal penalties and tax implications, while uncovering strategies to better position retirement savings for long-term success.

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