More wordy cop outs? Darn your good at it, but if you make trillions (As a collective, or billions, or millions, if you prefer) and pay NO tax, that's fair? Half the country can't afford a money manager and neither could you unless they cuts a deal for a 401K with your employer. Do the math, or look it up yourself, how many people are in the 1%? In the 20%? Do it on your own and let me know how that works out...if you can afford it.
How many people ain't in that investor class? Why aren't you? When is your state going to stop taking my states hard earned money? I can't comment on the SS gobble de goop you posted.
PS
How did the recession/depression in 2008 affect that 401k? Or mutual funds if you invested.