LogFAQs > #898976670

The only reason why you wouldn't go with a company's 401k is if it's in shitty stock, like the company itself, or if it has exorbitant expense fees (1% is the absolute max you should ever consider paying).

My company is small so it offers a SIMPLE IRA (401k for small businesses), we can invest it through fidelity which means low expense fee mutual funds. That money is growing faster than anything else I have (excluding my HSA, and cryptos of course).

Low fee mutual funds, pretax investments, that is what will be the difference between 65 year old jballen either living in a paid off house going into town to drink a coffee and painting in his spare time, or instead being the dinosaur in some stupid company that doesn't understand the new quantum computers and grinds his golden years away for peanuts just to survive.

It takes so fucking little to ensure that you'll have a million dollars (adjusted for inflation) by the time you're 65. It's worth every penny.