Caller: “Are 401(k)s good investment?”
Caller: I’m concerned about 401(k)s. Are they actually a good investment vehicle? And would a government guaranteed 4% return be better?
Dave: Let me clarify something, a 401(k) isn’t an investment. It’s a cookie jar. The IRS created it as a structure for tax-advantaged savings.
Caller: So what’s inside matters?
Dave: Exactly. The performance depends entirely on the cookies inside the jar, the mutual funds you choose. If your 401(k) underperforms, it’s because of the fund selections, not the structure.
Caller: What about a guaranteed 4% return from the government?
Dave: Don’t do it. Here’s why the historical market return is 10-12% annually. The difference between 4% and 10% compounds dramatically over time.
Caller: How dramatic?
Dave: Massive. Compound interest works on a curve, not a straight line. Over 30 years, that difference is hundreds of thousands of dollars. You’d be leaving enormous wealth on the table for false security.
Caller: So I should stick with mutual funds?
Dave: Yes. Look for four categories; growth, growth and income, aggressive growth, and international. Diversify across those.
Caller: My company’s 401(k) has limited fund options.
Dave: Then open a Roth IRA independently. You get access to a wider variety of mutual funds there. If you need help selecting investments, work with a SmartVestor Pro someone with the heart of a teacher who can guide you.
You're a man. Forgive your parents. Forgive your ex-girlfriend. Forgive your former boss. Forgive your fake friends. It doesn’t matter how bad they wronged you. Grudges hold you back. Never revenge, heal, and move on with your life. That shit delays your blessings.
Want to remove obstacles from your life?
Don't miss this day.
25 June 2026 is Nirjala Ekadashi: the most powerful Ekadashi of the year.
Observing this one fast with devotion brings the spiritual merit of all 24 Ekadashis.
If you're praying for:
• A new job
• Better finances
• Marriage
• Peace at home
• Relief from ongoing struggles
This is one of the best days of 2026 to seek Lord Vishnu's blessings.
Do this:
✓ Fast as per your health and capacity.
✓ Chant "Om Namo Bhagavate Vasudevaya" 108 times.
✓ Offer Tulsi to Lord Vishnu.
✓ Donate water, fruits, food, or clothes to someone in need.
Sometimes, one day of discipline can change the direction of an entire year.
#astrology