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We now know until this was a disaster for nearly everyone, excluding the financial services industry it created. Individuals didn't some or entrust to the right financial products. Many were in cash, which generally doesn't keep with inflation. To be a result, employers are more and more involved requiring people to opt away from a 401k rather than opting in, choosing a target date mutual fund account as the default compared to cash, and spending resources on educating their workers more about financial planning.
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