Richard Applegate Quotations

I would try to talk to your employer and see if they would change the investments, ... You might as well try if the choices stink or the offerings are really expensive.

Most definitely you should put money in a 401(k) as well as an IRA if you can afford to do it, ... The problem most people have is trying to get one dollar chase multiple needs. If they've got too much saved in retirement plans and not enough outside of them, they've over-allocated retirement. So first make sure you're saving the proper amount.

Delaying is really costly. If you don't have time on your side, you don't have compounding.

It's not very exotic. It's straightforward, logical thinking. But people get stymied. I don't think people think about making their money work for them at all, let alone how to make their money work for them when it comes to retirement investing with their 401(k) and IRA.

It's not very exotic, ... It's straightforward, logical thinking. But people get stymied. I don't think people think about making their money work for them at all, let alone how to make their money work for them when it comes to retirement investing with their 401(k) and IRA.

It's double taxation and fairly dumb. In my opinion it doesn't make a lot of sense to consider the non-deductible IRA route.

That money comes out with no taxes at all. That's truly amazing.

I can't tell you how many times people will tell me they're not signing up. I don't know if they get it, don't get it, don't care, or what.