We need both but the majority of guys I know that medical out are extremely overweight and do nothing but drink beer and live a horrible lifestyle. I'm not forgoing huge pay increases to ensure they have a solid retirement plan.

Of course I'm not referring to the unexpected health issue or disease etc, but like I said, the majority of health problems in this country are self inflicted. Healthcare in this country would be a lot less expensive if people didn't eat like animals, smoke like the Marlboro man, and sit on their fat arses all day.

We need 16%DC plan without having to put 16% in. I'd rather invest and plan my retirement on my own via Vangaurd with much less in fees etc.......