Hey, kids, come gather 'round. I have a story to share.

It takes place a long, long time ago, in a powerful, hopeful nation once revered as one of the few places in the world where most anyone ready to put in an honest day's work could make their dreams come true. There, even if you didn't attend a college with ivy-covered walls, you could still get a decent-paying job and afford a nice place in the suburbs and, here's the best part, even get a pension plan that would help take care of you in your old age.

Then, for one reason or another, things began to change and everyone was told there was something even better than an employer-funded pension: the 401(k), a plan that would give anyone who truly cherished their God-given freedom what they really wanted – control over their stock and bond investments and, ultimately, their fates.  

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