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I was always confused as to why there are limits on these accounts in the first place. Rich people are not going to use 401ks to save for their retirement and most people cannot afford to put in the max a year anyway, regardless of what it is. I'll never use one since my company forces me to...

Yeah...my brain is really killing me now!

Currently 32...same as 31...totally broke....in fact...broker!

This sounds like the "Republican Retirement Plan for Non-Rich Americans". ;D Now I am off to the pharmacy to get my happy pills refilled so I can look forward to what happened to this poor schmuck!

As for REwahoo question, my answer is retirement is not an option for some people (let alone early retirement) and never will be, which is what I was trying to point out. It obviously went into another direction. Thanks for the advise Martha, hopefully some better luck will come my way sooner...

There is a difference is playing a rigged game and having control over one's own life. I do not think anyone has control over their own lives. I think that comes down to perception of control, or a belief in it. I know I have no control over my life, I just go with it and hope something good...

What I was trying to point out is America does not work for everyone. I know homeless people here eat better out of the trash dumpsters than the rest of the 3rd world, but that does not mean life is better here. You do not see 3rd world people in Africa screwing each other over for jobs or...

After reading a number of these forums, I pretty much believe and very few of us "Generation Xers" are ever going to "retire". To be honest, I believe in retirement as much as I believe in Santa Claus. I spend just about every dollar I make in bills, food, stuff for kids, etc that there is no...