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Many experts believe that 401(k) employee education, in its current form, does not work. I believe that it is just a matter of time until all employee education migrates to the Internet, for the following reasons:

1. Both spouses can participate. Every employer knows that a disadvantage in offering employee education sessions at work is that your employee may not be the financial decision-maker in the family. This means that he/she may not have much of an interest or understand what is being presented. Online learning allows both spouses to have the same learning experience at the same time, in the same place, which facilitates a much better decision-making process.

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