You said, "government employees are marching in the streets over the fact taxpayers are not willing to pay for their 40+ years of planned retirement".
Fact, you say?? In actuality, the thieving politicians have been pretty successful in spreading the lie that the government worker is some sort of a freeloader that's expecting a pension solely at the taxpayer's expense. I paid 6% of my earnings, every single payday, into the pension fund. The state of Illinois, by law, was supposed to match my 6% and deposit that match into the fund too. Just like social security (only at a 1/2% savings to everyone). They have NEVER held up their end of the bargain in the 45 years that I have been involved with them, and now they treat US like villians because THEIR thievery is causing the system to fail. It's bad enough that they robbed us, but now they want to turn the public against us too. Kinda like it being the woman's fault that she got raped. At least the rapist goes to jail. And if you, as a private employer, tried the same trick with your employees, you'd go to jail too. But not the politicians - in Illinois, they're spending millions on coloring books for kids to color in a likeness of the elected official giving out the books, but they side-step around the pension obligation. We have one ex-governor in jail, and another ex-governor on the way to jail, but that's just barely scratching the surface as far as I'm concerned. Anytime you hear a politician use the word "entitlement", be aware that it's doubletalk for "step on the working man's neck".
Nothing personal to you in this reply, I'm just tired of being made to look like some sort of a freeloader. And to the original poster - I have no experience with a 401K.
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