As of the end of 2022, Americans held approximately $37.8 trillion in retirement plans and accounts ($26.3 trillion in employer-sponsored plans and $11.5 trillion in IRAs). These accounts have been around a long time, IRAs and 401(k)s were both initially established in the 1970s.   If they were collectibles, they’d be approaching vintage status.   Most of us enjoy the allure of new and shiny gadgets, so it’s easy to… Read More