 are you putting your retirement savings in a 401k or ira then i have one word of advice stop you've been lied to by the wall street fat cats who get paid whether you win or lose they say risk your life savings in the stock market but studies show people who follow that advice will outlive their savings by a staggering 10 years they say max out your contributions to 401ks but the man who invented the 401k now says it's a monster that should be destroyed