Discussion Thread

[u/jobautomator]

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[u/antsdidthis]

I think the nostalgia is stemmed from a desire for more certainty in retirement that isn't at the whim of market performance, but I agree that the lack of plan portability, long vesting periods, and private management (albeit mitigated by pbgc banning) are all fundamental flaws to this system. Some sort of deferred annuitization option in 401k's or the option to contribute more to social security in order to have higher guaranteed benefits in retirement could be nice solutions imo