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Patrick from Ohio asks Dave Ramsey about 401(k) plans, specifically whether it's advisable to remain in a company 401(k) without a match if performance is unsatisfactory. He shares that he has worked for three companies with 401(k) plans, none of which offered matching contributions, and mentions that some co-workers have opted out due to poor performance. Patrick's second question involves the government potentially offering a retirement option where contributions could be made tax-free with a guaranteed 4% return, contrasting this with historical returns of 6% to 12%. He seeks clarity on the value of such options and the reliability of government involvement in retirement planning.
