You know one thing that I've always wondered on this board? Just how long can a topic title be? That one in the music

[The Man]

Now that that's done. I completely disagree with your hypothesis.

My retirement is so much better from a 401K than a pension. It gave me the ability to leave one job, go to grad school and get another job, while just moving my 401K to the new job.

I would have lost my pension. It gives employees more choices, it gives employers more control over their costs, and it puts money into areas that will spur more growth than a passive pension fund.