864. Retirement plan 401k

Do you have a 401k? 

When was the last time you checked it? 

Yeah, there’s an employer match, but what’s the return you’ve been getting? How much have you spent on fees? I’d guess it’s somewhere around 4% paid in fees.  

Maybe it’s good, maybe it’s not. But it’s worth checking out. 

I like Roth IRAs better because of the tax break years down the line. 

Plus you can put it in an index fund that charges .05% fees.

That might not seem like a big deal, .05 vs 4% 

But years down the road, it’s a huge difference. 

We need to keep all the money we can for retirement. 

Set and forget the index fund and watch it grow to something crazy.

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