Grant retirement plan participants the wisdom to know what they can change about 401(k) plans and what they can’t. (Photo: AP)

Look, here’s the deal: Life sucks and then you die. That’s all there is to it. Now let’s just get on with retirement saving.

Do you agree with me on this? We are enabling bad retirement savings behavior every time we tell people to find problems with their 401(k) plan.

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