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Most people rely on 401ks for retirement these days. However, in theory, the closer you get to retirement, the more conservative your 401k portfolio should be. Not that most people probably pay enough attention to it.

Yes. As I said in the video, only a small percentage of those eligible for 401K from their companies actually take advantage of them.

Ah, that would explain it. Should not have been playing Valheim at the same time. ;)