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When a venerable mainstream media institution such as the New York Times wades into the normally placid waters of the 401(k) world, you know that there could be some ripples.

So this week, when the Times did a virtual roundtable to probe one simple question – should the 401(k) be reformed or replaced – it probably got more than a few of you thinking about this standardized, controversial and befuddling retirement tool, one that generates equal amounts love and hate.

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