Literally nobody except you has said they don’t want to increase DC funds. And wanting to put the money someplace besides the mbcbp is apparently only incomprehensible to you.

Not at all, I am saying there should be a tax sheltered vehicle for our much needed increase in DC funds. How much you choose to work is up to you.

I want to increase DC. I don’t want to shelter those funds in the same way you do. Nowhere in PWA 26 is a low-performing fund prescribed, so I’m not sure where “as intended” comes from.

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it's not locked up at all. It's very much accessible through a variety of mechanisms. And I, me get to decide if I put it in highly aggressive funds or bonds. No one else makes that decision for me.

there should be a tax-sheltered vehicle for you to use. It should be optional, because I have literally zero desire to use that same vehicle

That would be great, as an option. Many of us have no interest in confiscation of our money, or for additional tax deferral.

Explain to me what the effective difference is between increasing DC to increase taxable wages and increasing pay rates. If we fail to get more DC then we are keeping your hourly rate bound to "reasonableness" with no real increase for retirement. The only way we justify more DC is to have a place to put it that isn't regular income.

put yours in the MBCBP. We’d be ecstatic for you to be able to do so.

I agree completely but optionality lives in fantasy land so we will have to face this decision as a group.

okay. No thanks, then. You’ll have to find somewhere else to make money. Put it in QQQ and you’ll make out far better, anyway