This thread is proof positive that you should never take financial advice from pilots. There are numerous issues with the conclusions that most of the opt out folks are making.

It’s not worth debating people on the internet who insist on making big life decisions with an incredible lack of due diligence, but anyone on the fence on this decision should seek the advice of a financial advisor. There is a reason that the highest income earners all gravitate toward these plans, and it has nothing to do with their inability to beat the expected returns of this plan in their brokerage account.

DYODD and don’t let an anonymous web board talk you into a very costly irreversible decision.

I’ll also add that there are no doubt pilots who have legitimate reasons to opt out and will be better off by doing so, but I’ve yet to see a single example discussed in this thread.