 with tax advantage retirement accounts. I teach this and I've taught this now for going on, hard to believe, three decades. These people have an overwhelming sense of arrogance, couldn't agree with that more, as Peter points out, and will continue to double down on their failures. They want us to think that they're the ones in control, but nothing could be further from the truth. Individuals, you and me, have tremendous power to protect ourselves from their destructive hypocrisy.