We punish children for bad behavior, but who punishes adults?
Bad behavior leads to very unpleasant things. What I'm really talking about is unfortunate decisions, as opposed to felonious activity. More specifically, I'm referring to actions in and around 401(k) plans.
A recent survey by Cerulli Associates suggests that 401(k) plan participants may have their priorities confused. It also indicates many may be living in a dream world when it comes to what they need to do to retire in comfort. And it appears the most delusional are the ones who can least afford to be.
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