> That's not to say defined benefit programs aren't a great deal for the employee -- they are, and most of us would love to have one. I would much prefer a big

> That's not to say defined benefit programs aren't a great deal for the employee -- they are, and most of us would love to have one. I would much prefer a big SEP-IRA, or a 401k with a company match beyond the standard safe harbor 4% or whatever it is. Government defined benefit pensions come with their own problems. https://news.ycombinator.com/item?id=40538070 https://news.ycombinator.com/item?id=40538070