Ppl who talk abt how IN THEORY 401ks and HSAs are free market systems have no idea how this works
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Literally "Here I'm gonna hold your wallet so you don't do anything dumb. And take a $20 out of it in the process. You should thank me"
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With that as the background "normal" attitude no wonder some ppl commit outright fraud and still consider themselves basically nice guys
End of conversation
New conversation -
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whenever I have to open new IRA/401k, 1st thing I do is go thru all avail opts and look at the fees for the no/low fee opts
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only then do I allocate based on other preferences.
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