You're paying for a guaranteed retirement. I'm stashing it away in the hopes that it will beat inflation over the next 30+ years. If the market goes bad right before I retire (like the baby boomers here are having to deal with) then I could be screwed. That retirement money will also have to pay for my old age healthcare problems, and those haven't gotten any cheaper in a couple of generations, so they're likely to cost me even more when I retire. You might have to pay more in taxes, but you get the security of a guaranteed payout and benefits. Thats the difference, you pay more taxes for a guaranteed return, I pay less for a chance to do it myself and possibly screw it up royally.We're paying for health care and retirement fund just as well, doh.[/b]
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