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In my previous blog, I used the metaphor of four gears to explain what drives a 401(k) plan. It turns out that particular symbolism was more meaningful than originally intended. For 401(k) participants, “first gear” represents savings. It is the participant’s most powerful tool (see “The Retirement Saver’s Secret (as in ‘Underappreciated’) Weapon,” FiduciaryNews.com, July 9, 2013). 


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