I don't trust the stock market. I'm suspicious of my 401k too. I feel like it's just some rich guy trying to take my money. Kinda like Trump.
But society says I'm irresponsible as an adult if I don't have one.
What if 401k turns out to be the name of some faceless cult and we are all just contributing to its coffer. And anytime the balance dips, it's nothing to do with the market but them appropriating the funds for whatever weird **** shadow cults do...something to chew on.
It's memo day, anything is possible.