Yeah see and my 401k account is down like 10% net over its lifetime. My personal investments are up like almost 100% over the same period (3 years) its an incre

Yeah see and my 401k account is down like 10% net over its lifetime. My personal investments are up like almost 100% over the same period (3 years) its an incredible time to be investing right now because there are a metric fuckload of small cap stocks that are extremely mispriced. See: shipping sector in the last 3 years (dry bulk and lng) This is why 401ks are a total shame. You get marginal, if any tax benefits (entirely possible you pay significantly more tax when all is said and done), your money is in jail for your entire fucjing life so if you have an investment opportunity you won't have the capital to maximize your profit, and to top it off, the investment selections are dogshit broad based funds that almost never even match the s&p 500 and you pay like a 1% management fee for the pleasure of all these lovely features. It's a complete sham and it would take an enormous amount of employer matching to make it worth doing. E.g. an amount that no employer would ever be willing to offer.