Do you think there are really guys out there that don't fully fund their 401k? Not being a smart a$$...just find it hard to believe that people would give that up.
Yep.. Twice when I was in the right seat of the 72, I had the Captain ask me who to talk to about starting his 401K.. Meanwhile, I had less than 2 years on the property?? Boogles the mind...
But that's the point. It's your decision what you do with the money. There will always be those people who just don't get it or care. Why not let Darwin take care of them.
Social Security is an OK example why a Darwin Approach won't work.. People will sit it out and spend every penny just so the working man will bail him out later!