401(k) vs IRA: The 40-Year Trap and Hidden Admin Costs

Frank L Day

Published on: 17/06/2026

Most people treat their 401(k) like a "set it and forget it" machine. You sign a few papers during HR orientation, pick a target-date fund because it sounds safe, and assume that in 30 or 40 years, the "market" will have done its job.