“Retirement accounts are a scam to keep your money locked away while they gamble with it”
Agree
- Can't access your own money without penalties
- Market crashes wipe out decades of savings
- Fees quietly eat away at returns
- Rules change and you're stuck
Disagree
- Tax advantages create real wealth building
- Forced discipline prevents impulsive spending
- Compound growth is mathematically proven
- Employer matching is free money
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