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all right so apparently thereamp;#39;s something rich people know about 401ks that the rest of us donamp;#39;t so letamp;#39;s take some notes so what I tell people is that is your company have a 401k yes does it have a match yes explain the match well if I put in four percent they match with four percent okay good I do that thatamp;#39;s 100 rate of return but above the match I wouldnamp;#39;t put in my 401k anymore I would put that in a cash value life insurance because I want to be in control I want to have tax all right he lost me at instead of 401k Iamp;#39;d invested into cash value life insurance which is why today we have to talk about Americaamp;#39;s most toxic trait the 401K you may be surprised when you open your next quarterly 401K statement why do it youamp;#39;re not here um you know this I I have not been opening many statements now a 401k is kind of like going to the doctor you know you should go every once in a while but if you never do is there ever anything