We talk 401k; a fabulous method of forced savings that is available to nearly every employee and it is tax deferred. Most people will not stay at one employer for their entire career; they’ll switch employers every few years usually to get a raise or promotion. A bigger benefit that is nearly always overlooked is that they can also now self-direct their old 401(k).
With some know-how, discipline, and following some rules, the opportunities are huuuge as you are now free from the 401k provider’s restrictions that used to be placed on your account.
People will do unnatural things in the hopes of getting a 5% raise at their job, which is a short-term win. Most don’t realize that the long-term impact of getting just a couple more percent annually on their 401k will dwarf any raise they could ever get from their employer.