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[Music] in the decade of the 90s remember way back in the 90s the 1990s 78 of the companies in america did away with a pension plan and went to the 401k the only place you find pensions today with rare exceptions is government and union theres almost no places have pensions other than that that are substantial so teachers policemen feds whatever government and union its the only place you find pensions and everybody was whining and carrying on that corporate america was not taking care of their employees by doing away with the pension plans and the truth is is that the 401k has made more millionaires than pensions ever did so it has turned out to be that when you invest money in your 401k and sometimes your company matches some upward of 70 of the companies do some kind of a match on a 401k youre in complete control of that money it is owned by you it does not get moved unless you move it it is not invested in something unless you choose the investment it is in your name and its po
