Millions Will Regret This 401k Mistake

"And now with this new executive order signed by President Trump, that could be changing. Now, it says they want to add 'alternative assets' to your 401k."

"Now, an alternative asset is pretty much anything that is not the stock market, but there are six primary alternative assets that this executive order talks about."

"Number one are private market investments, which are equity or debt. Number two are direct and indirect investments into real estate. Number three are actively managed investment vehicles that give exposure to digital assets. Number four, our direct and indirect access to commodities. Number five, our direct and indirect interest in projects financing infrastructure developments. And number six, our lifetime income investment strategies including longevity risk sharing pools."

"So, it's kind of like a mutual fund but for cryptocurrencies."

"So, the United States government wants to fund a lot of infrastructure projects but doesn't have the money to do so. And what it's proposing is you can invest your 401k money by lending it to the United States government to fund bridges or roads or other infrastructure projects."

"So, you might be seeing changes to your 401k in the future, but if these changes get passed, the next thing that has to happen is your employer has to actually allow you to be able to invest in these types of things as well."

"If you were investing $800 a month and now because you put your money into a mutual fund, you're hoping to beat the market. So, you're averaging, let's call it, 11% a year in growth on your money. And then you have to pay 1% in fees... A 1% fee, and you do this for 30 years. Well, after the 30 years, your $800 a month is going to grow to $1.7 million."

"But the part that a lot of people forget is that over the course of those years, the small little 1% fee is also compounding, which means you also over the course of those three decades paid $400,000 in fees to your money manager."

"You do the same thing. You're investing the same $800 a month, but now instead of investing in a mutual fund that's actively managed, you're investing into a passively managed fund... your fees are going to be less. So now, instead of paying 1% in fees, you're paying 0.1% in fees... you do it for the same 30 years. Well, now instead of having $1.7 million, you're going to have about $1.9 million, an extra $200,000 in your pocket, and you're going to be paying around $30,000 in fees in this instance."

"55% of job switchers reduced their 401k nest egg by $300,000 over their working lives by failing to adjust their savings rate to their new higher salary."

"If you were investing $800 a month at the 10.5% a year... over 30 years you're going to have $1.9 million. But if instead of investing $800 a month, you could now invest, let's call it, $1,200 a month... for those 30 years. Well, instead of having $1.9 million, now in this case, you would have $2.35 million. So, we're talking about an extra $450,000 by just investing an additional $400 more a month."

"More than 99% of 401k funds offer at least one overpriced and underperforming fund to plan participants over a period of three, five, and 10 years."

"As of 2025, estimates suggest that there are over 29 million forgotten or left behind 401k accounts in the United States totaling around 1.7 trillion in assets."

"If you were to invest $3,000 today, and you never invested another penny again... this money just grew by the market average of just 10% a year. And you let this money sit there and compound for 45 years. Well, over these 45 years, this small $3,000 is going to grow to over $200,000"

"If you make $50,000 a year and your company offers a 3% match, that means if you were to invest $1,500 into your 401k, your company would give you an additional $1,500 because that's 3% of your income."

"The reality is for many people, your 401k is not going to be enough for you to retire. investing 3% of your income into your 401k is not going to be enough for you to have the dream retirement. And then having that with social security still is not enough, which means you are going to have to invest your money yourself."

"This is one of the biggest lies that we've been sold and it's why we're facing the biggest retirement crisis that we've ever seen in the history of the United States."

"We talked about some of the changes that might be coming with your 401k through the President Trump new executive order. Again, this hasn't been passed yet. This is an executive order telling the Department of Labor to look at how we can add alternative assets to the 401k."

"In the early 1970s, the United States government had borrowed so much money, President Richard Nixon severed the tie between the United States dollar and physical gold."

"Now, if you notice what he said, he said this was temporary. And here we are 54 years later and the dollar is still"