This is really bonkers especially considering peoples employers have been trying to get people to use 401ks etc for decades and yet most people still own basically nothing.
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Had a friend with a small business tell me he set aside time to give his employees some financial literacy raining, then offered a 401(k) program with a generous match. He basically begged his employees to take his money for retirement. No takers😑
Many such cases. Shit is so broke right now