If you hire 20-somethings, it's salutary to ask if they've ever received a talk about retirement and, if not, tell them about their options.
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"You will be free to transfer this to a new retirement account at your next employer or to spend it. Many choose to spend. DO NOT DO THIS."
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@patio11 Also, "your bank has staff who get paid based on pushing you into high-fee mutual funds. DO NOT TAKE THEIR ADVICE ON INVESTMENTS."
End of conversation
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