Pfffft.. I’d say 3 out of 5 guys I fly with contribute less than 7% to their 401k because they don’t trust investing, they think if you make 200k then every dollar is taxed at that tax rate, can’t tell you even 1 fund their 401k is invested in.. etc. I’m not a financial genius… and Pilots are educated folks, but the lack of financial literacy is an American problem ..pilots included.