That isn't much of an issue unless you have the same employer for decades, which typically means your probably at a large organization with good 401k fund optio

That isn't much of an issue unless you have the same employer for decades, which typically means your probably at a large organization with good 401k fund options.' On the other hand, I feel like we should remove the strange limits on IRAs and just merge them together with 401k plans so employers don't have to set up a '401k plan' each.