### Comment:
So your saying people are too retarded or lazy to actually know what to do with their 401k as they get older; but they should go and try to take 20k and invest/yolo it to make better returns? If you're smart enough to do fundamental/technical analysis for equities then you should be smart enough to progress into low risk as you begin moving towards retirement age.

### REPLY:
Yeah, the dude’s argument makes zero sense.

### END.