listening to yearly 401k explanation and all this stuff is so fucking stupid and only exists for jackasses to invent rules to exploit none of this shit should exist
@anemone I have a 401k am I dumb
@ocean@raru.re no. but you're probably getting scammed (and there's nothing you can do about it)
@anemone I was kinda unsure about it and maybe I shouldn't have
@ocean@raru.re you should since you're capped on IRA contributions separately from 401k contributions but you're almost certainly being forced to invest your 401k into funds with lower returns and higher fees than you could managing your own account because 99.9% of "financial advisors" are scumbags
