I was  driving down to Choo Choo town towards Chattanooga and began to think about the old saying “the more things change, the more things remain the same.”  That age-old catechism really does apply again as the seasons of the year change, another generational secular bear market takes shape with a powerful bear market trap [...]

1. 401k’s were came about in the 70′s, and weren’t meant to bear the weight of your retirement.   2. 401k plans have absolutely NO IDEA how much you are going to need for retirement. Only 28% of employers offer automatic projections of how much retirement income a participant’s 401(k) account might produce, according to [...]