You know that joyful fantasy of retirement that we all quietly cling to? The one where you’re lounging near a window with sunlight warming your knees, sipping something gently caffeinated, and answering to absolutely no one? Well, some of the retirement-plan features we rely on to get us there have a habit of turning into practical jokes once we hit our golden years.
People often assume that if a benefit was offered, it must be helpful—but financial systems are like mazes with optional trapdoors. Let’s shine a light into those corners now, so Future You doesn’t look back and think, “Why did no one mention this?”
