If asked, this would be justified as "take a bit more risk to increase your chance of a stupendous outcome." I think that's likely incorrect: rounds-to-trivial amounts of attention to retirement planning improves one's chance of business success, over timescale of a career.
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Startup founders are in a much better position than most employers on this score, because they tend to be relatively numerate and because they don't have the principal/agent problem early in the life of the company. It is easy to keep doing the right thing; much harder to start.
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Anyhow: the technology of money is endlessly fascinating. If there are particular business-adjacent parts which seem mysterious to you, drop us a line; we love ideas for new things to write about.
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End of conversation
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Extra fees equaling 1% of assets each year has a large impact on retirement income over the accumulation / draw down cycle.
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