I put money into my 401k for decades only to find out I had enough to cover two months of rent. Shits fucked.

Were you putting in a nickel per paycheck? The market has killed it over the last 30 years, even with a relatively low contribution, if you contributed consistently for 30 years you should have way more than that

You go tell my 401k account that.

Either you weren’t contributing for decades, or you literally only contributed $10-$20/mo for ~30 years. If your job provides a 401k option, with tax write-offs and everything else you should have been contributing a lot more to maximize its future utility. This is assuming your employer wasn’t even matching.

Either you aren’t telling us the full details, or you haven’t fully been contributing for decades.

You know what you should do? Instead of heading our warnings you should attack us and tell us we’re wrong.

Look stranger, no one is saying you’re wrong to call out the problems with the economy. Everyone is on your side there.

They’re saying that you personally made a mistake, and that’s one that other people can and should avoid for themselves. If after 45 years you REALLY TRULY only have like $2k USD in your retirement account then you messed up somewhere. That’s almost impossible the way compounding interest works.

Many 401ks are not actually invested by default, it’s up to the account holder to assign those funds themselves. Guessing that’s what happened to you. Unfortunately this isn’t widely known for some reason and companies don’t bother to educate employees about it.

I too enjoy blaming the victim. Thumbs up.

But how? Share some statements or something. This is wild.